MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC. Depositor WELLS FARGO BANK, N.A JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Servicers WELLS FARGO BANK, N.A. Master Servicer, Trust Administrator and Custodian and Trustee POOLING AND SERVICING AGREEMENT...
EXHIBIT
4.1
MORTGAGE
ASSET SECURITIZATION TRANSACTIONS, INC.
Depositor
▇▇▇▇▇
FARGO BANK, N.A
JPMORGAN
CHASE BANK, NATIONAL ASSOCIATION
Servicers
▇▇▇▇▇
FARGO BANK, N.A.
Master
Servicer, Trust Administrator and Custodian
and
U.S.
BANK
NATIONAL ASSOCIATION
Trustee
Dated
as
of February 1, 2006
Mortgage
Pass-Through Certificates
Series
2006-HE1
TABLE
OF
CONTENTS
|
ARTICLE
I DEFINITIONS
|
|
|
SECTION
1.01.
|
Defined
Terms.
|
|
SECTION
1.02.
|
Allocation
of Certain Interest Shortfalls.
|
|
SECTION
1.03.
|
Rights
of the NIMS Insurer.
|
|
ARTICLE
II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF
CERTIFICATES
|
|
|
SECTION
2.01.
|
Conveyance
of the Mortgage Loans.
|
|
SECTION
2.02.
|
Acceptance
of REMIC I by Trustee.
|
|
SECTION
2.03.
|
Repurchase
or Substitution of Mortgage Loans by an Originator or the
Seller.
|
|
SECTION
2.04.
|
Reserved.
|
|
SECTION
2.05.
|
Representations,
Warranties and Covenants of the Servicers and the Master
Servicer.
|
|
SECTION
2.06.
|
Conveyance
of REMIC Regular Interests and Acceptance of REMIC I, REMIC II,
REMIC III,
REMIC IV, REMIC V, REMIC VI and REMIC VII by the Trustee; Issuance
of
Certificates.
|
|
SECTION
2.07.
|
Issuance
of Class R Certificates and Class R-X Certificates.
|
|
ARTICLE
III ADMINISTRATION AND SERVICING OF THE MORTGAGE LOANS
|
|
|
SECTION
3.01.
|
Servicer
to Act as Servicer.
|
|
SECTION
3.02.
|
Sub-Servicing
Agreements Between Servicer and Sub-Servicers.
|
|
SECTION
3.03.
|
Successor
Sub-Servicers.
|
|
SECTION
3.04.
|
Liability
of the Servicer.
|
|
SECTION
3.05.
|
No
Contractual Relationship Between Sub-Servicers and the Trustee,
the Trust
Administrator, the NIMS Insurer or Certificateholders.
|
|
SECTION
3.06.
|
Assumption
or Termination of Sub-Servicing Agreements by Master
Servicer.
|
|
SECTION
3.07.
|
Collection
of Certain Mortgage Loan Payments.
|
|
SECTION
3.08.
|
Sub-Servicing
Accounts.
|
|
SECTION
3.09.
|
Collection
of Taxes, Assessments and Similar Items; Servicing
Accounts.
|
|
SECTION
3.10.
|
Collection
Account.
|
|
SECTION
3.11.
|
Withdrawals
from the Collection Account.
|
|
SECTION
3.12.
|
Investment
of Funds in the Collection Account.
|
|
SECTION
3.13.
|
[Reserved].
|
|
SECTION
3.14.
|
Maintenance
of Hazard Insurance and Errors and Omissions and Fidelity
Coverage.
|
|
SECTION
3.15.
|
Enforcement
of Due-On-Sale Clauses; Assumption Agreements.
|
|
SECTION
3.16.
|
Realization
Upon Defaulted Mortgage Loans.
|
|
SECTION
3.17.
|
Trustee
to Cooperate; Release of Mortgage Files.
|
|
SECTION
3.18.
|
Servicing
Compensation.
|
|
SECTION
3.19.
|
Reports;
Collection Account Statements.
|
|
SECTION
3.20.
|
Statement
as to Compliance.
|
|
SECTION
3.21.
|
Assessments
of Compliance and Attestation Reports.
|
|
SECTION
3.22.
|
Access
to Certain Documentation.
|
|
SECTION
3.23.
|
Title,
Management and Disposition of REO Property.
|
|
SECTION
3.24.
|
Obligations
of the Servicer in Respect of Prepayment Interest
Shortfalls.
|
|
SECTION
3.25.
|
Obligations
of the Servicer in Respect of Monthly Payments.
|
|
SECTION
3.26.
|
Advance
Facility
|
|
SECTION
3.27.
|
Late
Remittance.
|
|
ARTICLE
IIIA ADMINISTRATION AND SERVICING OF THE MORTGAGE LOANS
|
|
|
SECTION
3A.01.
|
Master
Servicer to Act as Master Servicer
|
|
SECTION
3A.02.
|
[Reserved].
|
|
SECTION
3A.03.
|
Monitoring
of Servicer.
|
|
SECTION
3A.04.
|
Fidelity
Bond.
|
|
SECTION
3A.05.
|
Power
to Act; Procedures.
|
|
SECTION
3A.06.
|
Due
on Sale Clauses; Assumption Agreements.
|
|
SECTION
3A.07.
|
[Reserved].
|
|
SECTION
3A.08.
|
Documents,
Records and Funds in Possession of Master Servicer to be Held for
Trustee.
|
|
SECTION
3A.09.
|
Compensation
for the Master Servicer.
|
|
SECTION
3A.10.
|
Obligations
of the Master Servicer in Respect of Prepayment Interest
Shortfalls.
|
|
SECTION
3A.11.
|
Distribution
Account.
|
|
SECTION
3A.12.
|
Permitted
Withdrawals and Transfers from the Distribution
Account.
|
|
ARTICLE
IV PAYMENTS TO CERTIFICATEHOLDERS
|
|
|
SECTION
4.01.
|
Distributions.
|
|
SECTION
4.02.
|
Statements
to Certificateholders.
|
|
SECTION
4.03.
|
Remittance
Reports, Advances.
|
|
SECTION
4.04.
|
Allocation
of Realized Losses.
|
|
SECTION
4.05.
|
Compliance
with Withholding Requirements.
|
|
SECTION
4.06.
|
Exchange
Commission Filings; Additional Information.
|
|
SECTION
4.07.
|
Net
WAC Rate Carryover Reserve Account.
|
|
SECTION
4.08.
|
Swap
Account.
|
|
SECTION
4.09.
|
Tax
Treatment of Swap Payments and Swap Termination
Payments.
|
|
SECTION
4.10.
|
Cap
Account.
|
|
ARTICLE
V THE CERTIFICATES
|
|
|
SECTION
5.01.
|
The
Certificates.
|
|
SECTION
5.02.
|
Registration
of Transfer and Exchange of Certificates.
|
|
SECTION
5.03.
|
Mutilated,
Destroyed, Lost or Stolen Certificates.
|
|
SECTION
5.04.
|
Persons
Deemed Owners.
|
|
SECTION
5.05.
|
Certain
Available Information.
|
|
ARTICLE
VI THE DEPOSITOR AND THE MASTER SERVICER
|
|
|
SECTION
6.01.
|
Liability
of the Depositor, the Servicers and the Master
Servicer.
|
|
SECTION
6.02.
|
Merger
or Consolidation of the Depositor or the Master
Servicer.
|
|
SECTION
6.03.
|
Limitation
on Liability of the Depositor, the Servicers, the Master Servicer
and
Others.
|
|
SECTION
6.04.
|
Limitation
on Resignation of the Servicers; Assignment of Master
Servicing.
|
|
SECTION
6.05.
|
Successor
Master Servicer.
|
|
SECTION
6.06.
|
Rights
of the Depositor in Respect of the Servicers.
|
|
SECTION
6.07.
|
Duties
of the Credit Risk Manager.
|
|
SECTION
6.08.
|
Limitation
Upon Liability of the Credit Risk Manager.
|
|
SECTION
6.09.
|
Removal
of the Credit Risk Manager.
|
|
ARTICLE
VII DEFAULT
|
|
|
SECTION
7.01.
|
Servicer
Events of Default and Master Servicer Events of
Termination.
|
|
SECTION
7.02.
|
Master
Servicer or Trustee to Act; Appointment of Successor
Servicer.
|
|
SECTION
7.03.
|
Trustee
to Act; Appointment of Successor Master Servicer.
|
|
SECTION
7.04.
|
Notification
to Certificateholders.
|
|
SECTION
7.05.
|
Waiver
of Servicer Events of Default and Master Servicer Events of
Termination.
|
|
SECTION
7.06.
|
Survivability
of Servicer and Master Servicer Liabilities.
|
|
ARTICLE
VIII CONCERNING THE TRUSTEE AND THE TRUST ADMINISTRATOR
|
|
|
SECTION
8.01.
|
Duties
of Trustee and Trust Administrator.
|
|
SECTION
8.02.
|
Certain
Matters Affecting the Trustee and the Trust
Administrator
|
|
SECTION
8.03.
|
Neither
Trustee nor Trust Administrator Liable for Certificates or Mortgage
Loans.
|
|
SECTION
8.04.
|
Trustee
and Trust Administrator May Own Certificates.
|
|
SECTION
8.05.
|
Trust
Administrator’s and Trustee’s Fees and Expenses.
|
|
SECTION
8.06.
|
Eligibility
Requirements for Trustee and Trust Administrator.
|
|
SECTION
8.07.
|
Resignation
and Removal of the Trustee or Trust Administrator.
|
|
SECTION
8.08.
|
Successor
Trustee or Trust Administrator.
|
|
SECTION
8.09.
|
Merger
or Consolidation of Trustee or Trust Administrator.
|
|
SECTION
8.10.
|
Appointment
of Co-Trustee or Separate Trustee.
|
|
SECTION
8.11.
|
Appointment
of Office or Agency; Appointment of Custodian.
|
|
SECTION
8.12.
|
Representations
and Warranties.
|
|
ARTICLE
IX TERMINATION
|
|
|
SECTION
9.01.
|
Termination
Upon Repurchase or Liquidation of All Mortgage Loans.
|
|
SECTION
9.02.
|
Additional
Termination Requirements.
|
|
ARTICLE
X REMIC PROVISIONS
|
|
|
SECTION
10.01.
|
REMIC
Administration.
|
|
SECTION
10.02.
|
Prohibited
Transactions and Activities.
|
|
SECTION
10.03.
|
Servicers,
Master Servicer and Trustee Indemnification.
|
|
ARTICLE
XI MISCELLANEOUS PROVISIONS
|
|
|
SECTION
11.01.
|
Amendment.
|
|
SECTION
11.02.
|
Recordation
of Agreement; Counterparts.
|
|
SECTION
11.03.
|
Limitation
on Rights of Certificateholders.
|
|
SECTION
11.04.
|
Governing
Law.
|
|
SECTION
11.05.
|
Notices.
|
|
SECTION
11.06.
|
Severability
of Provisions.
|
|
SECTION
11.07.
|
Notice
to Rating Agencies and the NIMS Insurer.
|
|
SECTION
11.08.
|
Article
and Section References.
|
|
SECTION
11.09.
|
Grant
of Security Interest.
|
|
SECTION
11.10.
|
Third
Party Rights.
|
|
SECTION
11.11.
|
Intention
of the Parties and
Interpretation.
|
Exhibits
|
Exhibit
A-1
|
Form
of Class A-1 Certificate
|
|
Exhibit
A-2
|
Form
of Class A-2 Certificate
|
|
Exhibit
A-3
|
Form
of Class A-3 Certificate
|
|
Exhibit
A-4
|
Form
of Class A-4 Certificate
|
|
Exhibit
A-5
|
Form
of Class M-1 Certificate
|
|
Exhibit
A-6
|
Form
of Class M-2 Certificate
|
|
Exhibit
A-7
|
Form
of Class M-3 Certificate
|
|
Exhibit
A-8
|
Form
of Class M-4 Certificate
|
|
Exhibit
A-9
|
Form
of Class M-5 Certificate
|
|
Exhibit
A-10
|
Form
of Class M-6 Certificate
|
|
Exhibit
A-11
|
Form
of Class M-7 Certificate
|
|
Exhibit
A-12
|
Form
of Class M-8 Certificate
|
|
Exhibit
A-13
|
Form
of Class M-9 Certificate
|
|
Exhibit
A-14
|
Form
of Class M-10 Certificate
|
|
Exhibit
A-15
|
Form
of Class M-11 Certificate
|
|
Exhibit
A-16
|
Form
of Class CE Certificate
|
|
Exhibit
A-17
|
Form
of Class P Certificate
|
|
Exhibit
A-18
|
Form
of Class R Certificate
|
|
Exhibit
A-19
|
Form
of Class R-X Certificate
|
|
Exhibit
B
|
[Reserved]
|
|
Exhibit
C-1
|
Form
of Trustee’s Initial Certification
|
|
Exhibit
C-2
|
Form
of Trustee’s Final Certification
|
|
Exhibit
C-3
|
Form
of Trustee’s Receipt of Mortgage Notes
|
|
Exhibit
D
|
Forms
of Assignment Agreements
|
|
Exhibit
E
|
Request
for Release
|
|
Exhibit
F-1
|
Form
of Transferor Representation Letter and Form of Transferee Representation
Letter
in Connection with Transfer of the Private Certificates Pursuant
to Rule
144A Under the 1933 Act
|
|
Exhibit
F-2
|
Form
of Transfer Affidavit and Agreement and Form of Transferor Affidavit
in
Connection with Transfer of Residual Certificates
|
|
Exhibit
G
|
Form
of Certification with respect to ERISA and the Code
|
|
Exhibit
H
|
Form
of Report Pursuant to Section 4.06
|
|
Exhibit
I
|
Form
of Lost Note Affidavit
|
|
Exhibit
J-1
|
Form
of Certification to Be Provided by the Master Servicer with Form
10-K
|
|
Exhibit
J-2
|
Form
of Certification to Be Provided by the Servicer to the Master
Servicer
|
|
Exhibit
K
|
Form
of Cap Contract
|
|
Exhibit
L
|
Annual
Statement of Compliance pursuant to Section 3.20
|
|
Exhibit
M
|
Forms
of Interest Rate Swap Agreements
|
|
Exhibit
N
|
Form
of Swap Administration Agreement
|
|
Exhibit
O
|
Servicing
Criteria to Be Addressed in Assessment of Compliance
|
|
Exhibit
P
|
Form
10-D, Form 8-K and Form 10-K Reporting Responsibility
|
|
Exhibit
Q
|
Additional
Disclosure Notification
|
|
Exhibit
R-1
|
Form
of Delinquency Report
|
|
Exhibit
R-2
|
Form
of Monthly Remittance Advice (▇▇▇▇▇ Fargo)
|
|
Exhibit
R-3
|
Form
of Realized Loss Report
|
|
Exhibit
S
|
Form
of Remittance Report (JPMorgan)
|
|
Schedule
1
|
Mortgage
Loan Schedule
|
|
Schedule
2
|
Prepayment
Charge Schedule
|
This
Pooling and Servicing Agreement, is dated and effective as of February 1, 2006
among MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC. as Depositor, ▇▇▇▇▇
FARGO
BANK, N.A. and JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, as Servicers, ▇▇▇▇▇
FARGO BANK, N.A. as Master Servicer, Trust Administrator and Custodian and
U.S.
BANK NATIONAL ASSOCIATION as Trustee.
PRELIMINARY
STATEMENT:
The
Depositor intends to sell pass-through certificates to be issued hereunder
in
multiple classes, which in the aggregate will evidence the entire beneficial
ownership interest in each REMIC (as defined herein) created hereunder. The
Trust Fund will consist of a segregated pool of assets comprised of the Mortgage
Loans and certain other related assets subject to this Agreement.
REMIC
I
As
provided herein, the Trustee will elect to treat the segregated pool of assets
consisting of the Mortgage Loans and certain other related assets (other than
the Net WAC Rate Carryover Reserve Account, the Swap Account, the Supplemental
Interest Trust, the Interest Rate Swap Agreements, the Cap Account, the Cap
Contract, any Originator Prepayment Charge Payment Amounts and any Servicer
Prepayment Charge Payment Amounts) subject to this Agreement as a REMIC for
federal income tax purposes, and such segregated pool of assets will be
designated as “REMIC I.” The Class R-I Interest will be the sole class of
“residual interests” in REMIC I for purposes of the REMIC Provisions (as defined
herein). The following table irrevocably sets forth the designation, the REMIC
I
Remittance Rate, the initial Uncertificated Balance and, for purposes of
satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii), the “latest possible
maturity date” for each of the REMIC I Regular Interests (as defined herein).
None of the REMIC I Regular Interests will be certificated.
|
Designation
|
REMIC
I
Remittance
Rate
|
Initial
Uncertificated
Balance
|
Latest
Possible
Maturity
Date(1)
|
|||||
|
I
|
Variable(2)
|
$
|
151.00
|
December
25, 2035
|
||||
|
I-1-A
|
Variable(2)
|
$
|
3,445,000.00
|
December
25, 2035
|
||||
|
I-1-B
|
Variable(2)
|
$
|
3,445,000.00
|
December
25, 2035
|
||||
|
I-2-A
|
Variable(2)
|
$
|
4,309,500.00
|
December
25, 2035
|
||||
|
I-2-B
|
Variable(2)
|
$
|
4,309,500.00
|
December
25, 2035
|
||||
|
I-3-A
|
Variable(2)
|
$
|
5,178,500.00
|
December
25, 2035
|
||||
|
I-3-B
|
Variable(2)
|
$
|
5,178,500.00
|
December
25, 2035
|
||||
|
I-4-A
|
Variable(2)
|
$
|
6,026,000.00
|
December
25, 2035
|
||||
|
I-4-B
|
Variable(2)
|
$
|
6,026,000.00
|
December
25, 2035
|
||||
|
I-5-A
|
Variable(2)
|
$
|
6,861,500.00
|
December
25, 2035
|
||||
|
I-5-B
|
Variable(2)
|
$
|
6,861,500.00
|
December
25, 2035
|
||||
|
I-6-A
|
Variable(2)
|
$
|
7,660,000.00
|
December
25, 2035
|
||||
|
I-6-B
|
Variable(2)
|
$
|
7,660,000.00
|
December
25, 2035
|
||||
|
I-7-A
|
Variable(2)
|
$
|
8,430,500.00
|
December
25, 2035
|
||||
|
I-7-B
|
Variable(2)
|
$
|
8,430,500.00
|
December
25, 2035
|
||||
|
I-8-A
|
Variable(2)
|
$
|
9,159,000.00
|
December
25, 2035
|
||||
|
I-8-B
|
Variable(2)
|
$
|
9,159,000.00
|
December
25, 2035
|
||||
|
I-9-A
|
Variable(2)
|
$
|
9,912,500.00
|
December
25, 2035
|
||||
|
I-9-B
|
Variable(2)
|
$
|
9,912,500.00
|
December
25, 2035
|
||||
|
I-10-A
|
Variable(2)
|
$
|
9,443,000.00
|
December
25, 2035
|
||||
|
I-10-B
|
Variable(2)
|
$
|
9,443,000.00
|
December
25, 2035
|
||||
|
I-11-A
|
Variable(2)
|
$
|
8,995,000.00
|
December
25, 2035
|
||||
|
I-11-B
|
Variable(2)
|
$
|
8,995,000.00
|
December
25, 2035
|
||||
|
I-12-A
|
Variable(2)
|
$
|
8,569,000.00
|
December
25, 2035
|
||||
|
I-12-B
|
Variable(2)
|
$
|
8,569,000.00
|
December
25, 2035
|
||||
|
I-13-A
|
Variable(2)
|
$
|
8,163,000.00
|
December
25, 2035
|
||||
|
I-13-B
|
Variable(2)
|
$
|
8,163,000.00
|
December
25, 2035
|
||||
|
I-14-A
|
Variable(2)
|
$
|
7,776,000.00
|
December
25, 2035
|
||||
|
I-14-B
|
Variable(2)
|
$
|
7,776,000.00
|
December
25, 2035
|
||||
|
I-15-A
|
Variable(2)
|
$
|
7,405,000.00
|
December
25, 2035
|
||||
|
I-15-B
|
Variable(2)
|
$
|
7,405,000.00
|
December
25, 2035
|
||||
|
I-16-A
|
Variable(2)
|
$
|
7,054,500.00
|
December
25, 2035
|
||||
|
I-16-B
|
Variable(2)
|
$
|
7,054,500.00
|
December
25, 2035
|
||||
|
I-17-A
|
Variable(2)
|
$
|
6,696,500.00
|
December
25, 2035
|
||||
|
I-17-B
|
Variable(2)
|
$
|
6,696,500.00
|
December
25, 2035
|
||||
|
I-18-A
|
Variable(2)
|
$
|
6,310,000.00
|
December
25, 2035
|
||||
|
I-18-B
|
Variable(2)
|
$
|
6,310,000.00
|
December
25, 2035
|
||||
|
I-19-A
|
Variable(2)
|
$
|
5,555,500.00
|
December
25, 2035
|
||||
|
I-19-B
|
Variable(2)
|
$
|
5,555,500.00
|
December
25, 2035
|
||||
|
I-20-A
|
Variable(2)
|
$
|
12,042,000.00
|
December
25, 2035
|
||||
|
I-20-B
|
Variable(2)
|
$
|
12,042,000.00
|
December
25, 2035
|
||||
|
I-21-A
|
Variable(2)
|
$
|
10,783,000.00
|
December
25, 2035
|
||||
|
I-21-B
|
Variable(2)
|
$
|
10,783,000.00
|
December
25, 2035
|
||||
|
I-22-A
|
Variable(2)
|
$
|
9,654,000.00
|
December
25, 2035
|
||||
|
I-22-B
|
Variable(2)
|
$
|
9,654,000.00
|
December
25, 2035
|
||||
|
I-23-A
|
Variable(2)
|
$
|
8,685,000.00
|
December
25, 2035
|
||||
|
I-23-B
|
Variable(2)
|
$
|
8,685,000.00
|
December
25, 2035
|
||||
|
I-24-A
|
Variable(2)
|
$
|
7,997,000.00
|
December
25, 2035
|
||||
|
I-24-B
|
Variable(2)
|
$
|
7,997,000.00
|
December
25, 2035
|
||||
|
I-25-A
|
Variable(2)
|
$
|
4,130,000.00
|
December
25, 2035
|
||||
|
I-25-B
|
Variable(2)
|
$
|
4,130,000.00
|
December
25, 2035
|
||||
|
I-26-A
|
Variable(2)
|
$
|
3,897,000.00
|
December
25, 2035
|
||||
|
I-26-B
|
Variable(2)
|
$
|
3,897,000.00
|
December
25, 2035
|
||||
|
I-27-A
|
Variable(2)
|
$
|
3,677,500.00
|
December
25, 2035
|
||||
|
I-27-B
|
Variable(2)
|
$
|
3,677,500.00
|
December
25, 2035
|
||||
|
I-28-A
|
Variable(2)
|
$
|
3,463,500.00
|
December
25, 2035
|
||||
|
I-28-B
|
Variable(2)
|
$
|
3,463,500.00
|
December
25, 2035
|
||||
|
I-29-A
|
Variable(2)
|
$
|
3,269,000.00
|
December
25, 2035
|
||||
|
I-29-B
|
Variable(2)
|
$
|
3,269,000.00
|
December
25, 2035
|
||||
|
I-30-A
|
Variable(2)
|
$
|
3,086,500.00
|
December
25, 2035
|
||||
|
I-30-B
|
Variable(2)
|
$
|
3,086,500.00
|
December
25, 2035
|
||||
|
I-31-A
|
Variable(2)
|
$
|
2,914,500.00
|
December
25, 2035
|
||||
|
I-31-B
|
Variable(2)
|
$
|
2,914,500.00
|
December
25, 2035
|
||||
|
I-32-A
|
Variable(2)
|
$
|
2,751,000.00
|
December
25, 2035
|
||||
|
I-32-B
|
Variable(2)
|
$
|
2,751,000.00
|
December
25, 2035
|
||||
|
I-33-A
|
Variable(2)
|
$
|
28,917,500.00
|
December
25, 2035
|
||||
|
I-33-B
|
Variable(2)
|
$
|
28,917,500.00
|
December
25, 2035
|
||||
|
I-34-A
|
Variable(2)
|
$
|
755,500.00
|
December
25, 2035
|
||||
|
I-34-B
|
Variable(2)
|
$
|
755,500.00
|
December
25, 2035
|
||||
|
I-35-A
|
Variable(2)
|
$
|
696,000.00
|
December
25, 2035
|
||||
|
I-35-B
|
Variable(2)
|
$
|
696,000.00
|
December
25, 2035
|
||||
|
I-36-A
|
Variable(2)
|
$
|
670,000.00
|
December
25, 2035
|
||||
|
I-36-B
|
Variable(2)
|
$
|
670,000.00
|
December
25, 2035
|
||||
|
I-37-A
|
Variable(2)
|
$
|
645,500.00
|
December
25, 2035
|
||||
|
I-37-B
|
Variable(2)
|
$
|
645,500.00
|
December
25, 2035
|
||||
|
I-38-A
|
Variable(2)
|
$
|
622,000.00
|
December
25, 2035
|
||||
|
I-38-B
|
Variable(2)
|
$
|
622,000.00
|
December
25, 2035
|
||||
|
I-39-A
|
Variable(2)
|
$
|
599,500.00
|
December
25, 2035
|
||||
|
I-39-B
|
Variable(2)
|
$
|
599,500.00
|
December
25, 2035
|
||||
|
I-40-A
|
Variable(2)
|
$
|
577,000.00
|
December
25, 2035
|
||||
|
I-40-B
|
Variable(2)
|
$
|
577,000.00
|
December
25, 2035
|
||||
|
I-41-A
|
Variable(2)
|
$
|
556,000.00
|
December
25, 2035
|
||||
|
I-41-B
|
Variable(2)
|
$
|
556,000.00
|
December
25, 2035
|
||||
|
I-42-A
|
Variable(2)
|
$
|
536,000.00
|
December
25, 2035
|
||||
|
I-42-B
|
Variable(2)
|
$
|
536,000.00
|
December
25, 2035
|
||||
|
I-43-A
|
Variable(2)
|
$
|
14,243,000.00
|
December
25, 2035
|
||||
|
I-43-B
|
Variable(2)
|
$
|
14,243,000.00
|
December
25, 2035
|
||||
|
II-1-A
|
Variable(2)
|
$
|
1,587,000.00
|
December
25, 2035
|
||||
|
II-1-B
|
Variable(2)
|
$
|
1,587,000.00
|
December
25, 2035
|
||||
|
II-2-A
|
Variable(2)
|
$
|
1,811,500.00
|
December
25, 2035
|
||||
|
II-2-B
|
Variable(2)
|
$
|
1,811,500.00
|
December
25, 2035
|
||||
|
II-3-A
|
Variable(2)
|
$
|
2,018,000.00
|
December
25, 2035
|
||||
|
II-3-B
|
Variable(2)
|
$
|
2,018,000.00
|
December
25, 2035
|
||||
|
II-4-A
|
Variable(2)
|
$
|
2,225,000.00
|
December
25, 2035
|
||||
|
II-4-B
|
Variable(2)
|
$
|
2,225,000.00
|
December
25, 2035
|
||||
|
II-5-A
|
Variable(2)
|
$
|
2,407,000.00
|
December
25, 2035
|
||||
|
II-5-B
|
Variable(2)
|
$
|
2,407,000.00
|
December
25, 2035
|
||||
|
II-6-A
|
Variable(2)
|
$
|
2,581,000.00
|
December
25, 2035
|
||||
|
II-6-B
|
Variable(2)
|
$
|
2,581,000.00
|
December
25, 2035
|
||||
|
II-7-A
|
Variable(2)
|
$
|
2,701,500.00
|
December
25, 2035
|
||||
|
II-7-B
|
Variable(2)
|
$
|
2,701,500.00
|
December
25, 2035
|
||||
|
II-8-A
|
Variable(2)
|
$
|
2,672,000.00
|
December
25, 2035
|
||||
|
II-8-B
|
Variable(2)
|
$
|
2,672,000.00
|
December
25, 2035
|
||||
|
II-9-A
|
Variable(2)
|
$
|
2,262,000.00
|
December
25, 2035
|
||||
|
II-9-B
|
Variable(2)
|
$
|
2,262,000.00
|
December
25, 2035
|
||||
|
II-10-A
|
Variable(2)
|
$
|
2,158,500.00
|
December
25, 2035
|
||||
|
II-10-B
|
Variable(2)
|
$
|
2,158,500.00
|
December
25, 2035
|
||||
|
II-11-A
|
Variable(2)
|
$
|
2,059,000.00
|
December
25, 2035
|
||||
|
II-11-B
|
Variable(2)
|
$
|
2,059,000.00
|
December
25, 2035
|
||||
|
II-12-A
|
Variable(2)
|
$
|
1,966,500.00
|
December
25, 2035
|
||||
|
II-12-B
|
Variable(2)
|
$
|
1,966,500.00
|
December
25, 2035
|
||||
|
II-13-A
|
Variable(2)
|
$
|
1,881,000.00
|
December
25, 2035
|
||||
|
II-13-B
|
Variable(2)
|
$
|
1,881,000.00
|
December
25, 2035
|
||||
|
II-14-A
|
Variable(2)
|
$
|
1,794,500.00
|
December
25, 2035
|
||||
|
II-14-B
|
Variable(2)
|
$
|
1,794,500.00
|
December
25, 2035
|
||||
|
II-15-A
|
Variable(2)
|
$
|
1,713,500.00
|
December
25, 2035
|
||||
|
II-15-B
|
Variable(2)
|
$
|
1,713,500.00
|
December
25, 2035
|
||||
|
II-16-A
|
Variable(2)
|
$
|
1,649,000.00
|
December
25, 2035
|
||||
|
II-16-B
|
Variable(2)
|
$
|
1,649,000.00
|
December
25, 2035
|
||||
|
II-17-A
|
Variable(2)
|
$
|
1,753,000.00
|
December
25, 2035
|
||||
|
II-17-B
|
Variable(2)
|
$
|
1,753,000.00
|
December
25, 2035
|
||||
|
II-18-A
|
Variable(2)
|
$
|
2,523,000.00
|
December
25, 2035
|
||||
|
II-18-B
|
Variable(2)
|
$
|
2,523,000.00
|
December
25, 2035
|
||||
|
II-19-A
|
Variable(2)
|
$
|
4,403,000.00
|
December
25, 2035
|
||||
|
II-19-B
|
Variable(2)
|
$
|
4,403,000.00
|
December
25, 2035
|
||||
|
II-20-A
|
Variable(2)
|
$
|
2,133,000.00
|
December
25, 2035
|
||||
|
II-20-B
|
Variable(2)
|
$
|
2,133,000.00
|
December
25, 2035
|
||||
|
II-21-A
|
Variable(2)
|
$
|
1,919,500.00
|
December
25, 2035
|
||||
|
II-21-B
|
Variable(2)
|
$
|
1,919,500.00
|
December
25, 2035
|
||||
|
II-22-A
|
Variable(2)
|
$
|
1,655,000.00
|
December
25, 2035
|
||||
|
II-22-B
|
Variable(2)
|
$
|
1,655,000.00
|
December
25, 2035
|
||||
|
II-23-A
|
Variable(2)
|
$
|
1,104,500.00
|
December
25, 2035
|
||||
|
II-23-B
|
Variable(2)
|
$
|
1,104,500.00
|
December
25, 2035
|
||||
|
II-24-A
|
Variable(2)
|
$
|
77,000.00
|
December
25, 2035
|
||||
|
II-24-B
|
Variable(2)
|
$
|
77,000.00
|
December
25, 2035
|
||||
|
II-25-A
|
Variable(2)
|
$
|
954,000.00
|
December
25, 2035
|
||||
|
II-25-B
|
Variable(2)
|
$
|
954,000.00
|
December
25, 2035
|
||||
|
II-26-A
|
Variable(2)
|
$
|
900,500.00
|
December
25, 2035
|
||||
|
II-26-B
|
Variable(2)
|
$
|
900,500.00
|
December
25, 2035
|
||||
|
II-27-A
|
Variable(2)
|
$
|
851,500.00
|
December
25, 2035
|
||||
|
II-27-B
|
Variable(2)
|
$
|
851,500.00
|
December
25, 2035
|
||||
|
II-28-A
|
Variable(2)
|
$
|
811,500.00
|
December
25, 2035
|
||||
|
II-28-B
|
Variable(2)
|
$
|
811,500.00
|
December
25, 2035
|
||||
|
II-29-A
|
Variable(2)
|
$
|
768,500.00
|
December
25, 2035
|
||||
|
II-29-B
|
Variable(2)
|
$
|
768,500.00
|
December
25, 2035
|
||||
|
II-30-A
|
Variable(2)
|
$
|
728,000.00
|
December
25, 2035
|
||||
|
II-30-B
|
Variable(2)
|
$
|
728,000.00
|
December
25, 2035
|
||||
|
II-31-A
|
Variable(2)
|
$
|
13,929,000.00
|
December
25, 2035
|
||||
|
II-31-B
|
Variable(2)
|
$
|
13,929,000.00
|
December
25, ▇▇▇▇
|
||||
|
▇-▇▇▇
|
Variable(2)
|
$
|
100.00
|
December
25, 2035
|
||||
________________
|
(1)
|
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations,
the
Distribution Date immediately following the maturity date for the
Mortgage
Loan with the latest maturity date has been designated as the “latest
possible maturity date” for each REMIC I Regular
Interest.
|
|
(2)
|
Calculated
in accordance with the definition of “REMIC I Remittance Rate”
herein.
|
REMIC
II
As
provided herein, the Trustee will elect to treat the segregated pool of assets
consisting of the REMIC I Regular Interests as a REMIC for federal income tax
purposes, and such segregated pool of assets will be designated as “REMIC II.”
The Class R-II Interest will evidence the sole class of “residual interests” in
REMIC II for purposes of the REMIC Provisions under federal income tax law.
The
following table irrevocably sets forth the designation, the REMIC II Remittance
Rate, the initial Uncertificated Balance and, for purposes of satisfying
Treasury Regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity
date” for each of the REMIC II Regular Interests (as defined herein). None of
the REMIC II Regular Interests will be certificated.
|
Designation
|
REMIC
II
Remittance
Rate
|
Initial
Uncertificated
Balance
|
Latest
Possible
Maturity
Date(1)
|
|||||||
|
II-LTAA
|
Variable(2)
|
|
$
|
647,027,507.98
|
December
25, 2035
|
|||||
|
II-LTA1
|
Variable(2)
|
|
$
|
2,911,090.00
|
December
25, 2035
|
|||||
|
II-LTA2
|
Variable(2)
|
|
$
|
773,910.00
|
December
25, 2035
|
|||||
|
II-LTA3
|
Variable(2)
|
|
$
|
995,330.00
|
December
25, 2035
|
|||||
|
II-LTA4
|
Variable(2)
|
|
$
|
370,440.00
|
December
25, 2035
|
|||||
|
II-LTM1
|
Variable(2)
|
|
$
|
254,180.00
|
December
25, 2035
|
|||||
|
II-LTM2
|
Variable(2)
|
|
$
|
231,080.00
|
December
25, 2035
|
|||||
|
II-LTM3
|
Variable(2)
|
|
$
|
145,250.00
|
December
25, 2035
|
|||||
|
II-LTM4
|
Variable(2)
|
|
$
|
122,140.00
|
December
25, 2035
|
|||||
|
II-LTM5
|
Variable(2)
|
|
$
|
115,540.00
|
December
25, 2035
|
|||||
|
II-LTM6
|
Variable(2)
|
|
$
|
105,630.00
|
December
25, 2035
|
|||||
|
II-LTM7
|
Variable(2)
|
|
$
|
99,030.00
|
December
25, 2035
|
|||||
|
II-LTM8
|
Variable(2)
|
|
$
|
89,130.00
|
December
25, 2035
|
|||||
|
II-LTM9
|
Variable(2)
|
|
$
|
72,620.00
|
December
25, 2035
|
|||||
|
II-LTM10
|
Variable(2)
|
|
$
|
69,320.00
|
December
25, 2035
|
|||||
|
II-LTM11
|
Variable(2)
|
|
$
|
66,020.00
|
December
25, 2035
|
|||||
|
II-LTZZ
|
Variable(2)
|
|
$
|
6,783,933.02
|
December
25, 2035
|
|||||
|
II-LTP
|
Variable(2)
|
|
$
|
100.00
|
December
25, 2035
|
|||||
|
II-LTIO-1
|
Variable(2)
|
|
N/A(3)
|
|
December
25, 2035
|
|||||
|
II-LTIO-2
|
Variable(2)
|
|
N/A(4)
|
|
December
25, 2035
|
|||||
________________
|
(1)
|
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations,
the
Distribution Date immediately following the maturity date for the
Mortgage
Loan with the latest maturity date has been designated as the “latest
possible maturity date” for each REMIC II Regular
Interest.
|
|
(2)
|
Calculated
in accordance with the definition of “REMIC II Remittance Rate”
herein.
|
|
(3)
|
REMIC
II Regular Interest II-LTIO-1 will not have an Uncertificated Balance,
but
will accrue interest on its Uncertificated Notional Amount.
|
|
(4)
|
REMIC
II Regular Interest II-LTIO-2 will not have an Uncertificated Balance,
but
will accrue interest on its Uncertificated Notional Amount.
|
REMIC
III
As
provided herein, the Trustee will elect to treat the segregated pool of assets
consisting of the REMIC II Regular Interests as a REMIC for federal income
tax
purposes, and such segregated pool of assets will be designated as “REMIC III.”
The Class R-III Interest will evidence the sole class of “residual interests” in
REMIC III for purposes of the REMIC Provisions under federal income tax law.
The
following table irrevocably sets forth the designation, the Pass-Through Rate,
the initial aggregate Certificate Principal Balance and, for purposes of
satisfying Treasury regulation section 1.860G-1(a)(4)(iii), the “latest possible
maturity date” for the indicated Classes of Certificates.
Each
Certificate, other than the Class P Certificate, the Class CE Certificate and
the Class R Certificates, represents ownership of a Regular Interest in REMIC
III and also represents (i) the right to receive payments with respect to the
Net WAC Rate Carryover Amount (as defined herein) and (ii) the obligation to
pay
Class IO Distribution Amounts (as defined herein). The entitlement to principal
of the Regular Interest which corresponds to each Certificate shall be equal
in
amount and timing to the entitlement to principal of such
Certificate.
|
Designation
|
Pass-Through
Rate
|
Initial
Aggregate
Certificate
Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
|||||||
|
Class
A-1
|
Variable(2)
|
|
$
|
291,109,000.00
|
December
25, 2035
|
|||||
|
Class
A-2
|
Variable(2)
|
|
$
|
77,391,000.00
|
December
25, 2035
|
|||||
|
Class
A-3
|
Variable(2)
|
|
$
|
99,533,000.00
|
December
25, 2035
|
|||||
|
Class
A-4
|
Variable(2)
|
|
$
|
37,044,000.00
|
December
25, 2035
|
|||||
|
Class
M-1
|
Variable(2)
|
|
$
|
25,418,000.00
|
December
25, 2035
|
|||||
|
Class
M-2
|
Variable(2)
|
|
$
|
23,108,000.00
|
December
25, 2035
|
|||||
|
Class
M-3
|
Variable(2)
|
|
$
|
14,525,000.00
|
December
25, 2035
|
|||||
|
Class
M-4
|
Variable(2)
|
|
$
|
12,214,000.00
|
December
25, 2035
|
|||||
|
Class
M-5
|
Variable(2)
|
|
$
|
11,554,000.00
|
December
25, 2035
|
|||||
|
Class
M-6
|
Variable(2)
|
|
$
|
10,563,000.00
|
December
25, 2035
|
|||||
|
Class
M-7
|
Variable(2)
|
|
$
|
9,903,000.00
|
December
25, 2035
|
|||||
|
Class
M-8
|
Variable(2)
|
|
$
|
8,913,000.00
|
December
25, 2035
|
|||||
|
Class
M-9
|
Variable(2)
|
|
$
|
7,262,000.00
|
December
25, 2035
|
|||||
|
Class
M-10
|
Variable(2)
|
|
$
|
6,932,000.00
|
December
25, 2035
|
|||||
|
Class
M-11
|
Variable(2)
|
|
$
|
6,602,000.00
|
December
25, 2035
|
|||||
|
Class
CE Interest
|
Variable(3)
|
|
$
|
18,161,151.00
|
December
25, 2035
|
|||||
|
Class
P Interest
|
N/A(4)
|
|
$
|
100.00
|
December
25, 2035
|
|||||
|
Class
Swap-IO-1 Interest
|
N/A(5)
|
|
N/A
|
December
25, 2035
|
||||||
|
Class
Swap-IO-2 Interest
|
N/A(6)
|
|
N/A
|
December
25, 2035
|
||||||
_______________
(1)
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the
Distribution Date immediately following the maturity date for the Mortgage
Loan
with the latest maturity date has been designated as the “latest possible
maturity date” for each REMIC III Regular Interest.
(2)
Calculated
in accordance with the definition of “Pass-Through Rate” herein.
(3)
The
Class
CE Interest will accrue interest at its variable Pass-Through Rate on the
Notional Amount of the Class CE Interest outstanding from time to time, which
shall equal the Uncertificated Balance of the REMIC II Regular Interests (other
than REMIC II Regular Interest II-LTP). The Class CE Interest will not accrue
interest on its Uncertificated Balance.
(4)
The
Class
P Interest will not accrue interest.
(5)
The
Class
Swap-IO-1 Interest will not have a Pass-Through Rate or a Certificate Principal
Balance, but will be entitled to 100% of the amounts distributed on REMIC II
Regular Interest II-LTIO-1.
(6)
The
Class
Swap-IO-2 Interest will not have a Pass-Through Rate or a Certificate Principal
Balance, but will be entitled to 100% of the amounts distributed on REMIC II
Regular Interest II-LTIO-2.
REMIC
IV
As
provided herein, the Trustee shall make an election to treat the segregated
pool
of assets consisting of the Class CE Interest as a REMIC for federal income
tax
purposes, and such segregated pool of assets will be designated as “REMIC IV.”
The Class R-IV Interest represents the sole class of “residual interests” in
REMIC IV for purposes of the REMIC Provisions.
The
following table irrevocably sets forth the Class designation, Pass-Through
Rate
and Original Class Certificate Principal Balance for the indicated Class of
Certificates that represents a “regular interest” in REMIC IV created
hereunder:
|
Class
Designation
|
Pass-Through
Rate
|
Initial
Aggregate
Certificate
Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
|
Class
CE Certificates
|
Variable(2)
|
$18,161,151.00
|
December
25, 2035
|
_______________
(1)
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the
Distribution Date immediately following the maturity date for the Mortgage
Loans
with the latest maturity date has been designated as the “latest possible
maturity date” for the Class CE Certificates.
(2)
The
Class
CE Certificates will receive 100% of amounts received in respect of the Class
CE
Interest.
REMIC
V
As
provided herein, the Trustee shall make an election to treat the segregated
pool
of assets consisting of the Class P Interest as a REMIC for federal income
tax
purposes, and such segregated pool of assets will be designated as “REMIC V.”
The Class R-V Interest represents the sole class of “residual interests” in
REMIC V for purposes of the REMIC Provisions.
The
following table irrevocably sets forth the Class designation, Pass-Through
Rate
and Original Class Certificate Principal Balance for the indicated Class of
Certificates that represents a “regular interest” in REMIC V created
hereunder:
|
Class
Designation
|
Pass-Through
Rate
|
Initial
Aggregate
Certificate
Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
|
Class
P Certificates
|
Variable(2)
|
$100.00
|
December
25, 2035
|
_______________
(1)
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the
Distribution Date immediately following the maturity date for the Mortgage
Loans
with the latest maturity date has been designated as the “latest possible
maturity date” for the Class P Certificates.
(2)
The
Class
P Certificates will receive 100% of amounts received in respect of the Class
P
Interest.
REMIC
VI
As
provided herein, the Trustee shall make an election to treat the segregated
pool
of assets consisting of the Class SWAP-IO-1 Interest as a REMIC for federal
income tax purposes, and such segregated pool of assets shall be designated
as
“REMIC VI.” The Class R-VI Interest represents the sole class of “residual
interests” in REMIC VI for purposes of the REMIC Provisions. The following table
irrevocably sets forth the designation, the Pass-Through Rate, the initial
aggregate Certificate Principal Balance and, for purposes of satisfying Treasury
regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated REMIC VI Regular Interest SWAP-IO-1, which will be
uncertificated.
|
Designation
|
Pass-Through
Rate
|
Initial
Aggregate
Certificate
Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
||||
|
SWAP-IO-1
|
Variable(2)
|
N/A
|
December
25, 2035
|
________________
|
(1)
|
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations,
the
Distribution Date immediately following the maturity date for the
Mortgage
Loan with the latest maturity date has been designated as the “latest
possible maturity date” for REMIC VI Regular Interest
SWAP-IO-1.
|
|
(2)
|
REMIC
VI Regular Interest SWAP-IO-1 shall receive 100% of amounts received
in
respect of the Class SWAP-IO-1
Interest.
|
As
of the
Cut-off Date, the Mortgage Loans had an aggregate Stated Principal Balance
equal
to $660,232,251.00.
In
consideration of the mutual agreements herein contained, the Depositor, the
Servicers, the Master Servicer, the Trust Administrator and the Trustee agree
as
follows:
REMIC
VII
As
provided herein, the Trustee shall make an election to treat the segregated
pool
of assets consisting of the Class SWAP-IO-2 Interest as a REMIC for federal
income tax purposes, and such segregated pool of assets shall be designated
as
“REMIC VII.” The Class R-VII Interest represents the sole class of “residual
interests” in REMIC VII for purposes of the REMIC Provisions. The following
table irrevocably sets forth the designation, the Pass-Through Rate, the initial
aggregate Certificate Principal Balance and, for purposes of satisfying Treasury
regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated REMIC VII Regular Interest SWAP-IO-2, which will be
uncertificated.
|
Designation
|
Pass-Through
Rate
|
Initial
Aggregate
Certificate
Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
||||
|
SWAP-IO-2
|
Variable(2)
|
N/A
|
December
25, 2035
|
________________
|
(1)
|
For
purposes of Section
1.860G-1(a)(4)(iii)
of
the Treasury
regulations,
the
Distribution
Date
immediately following the maturity date for the Mortgage
Loan
with the latest maturity date has been designated as the “latest possible
maturity date” for REMIC
VII Regular
Interest
SWAP-IO-2.
|
|
(2)
|
REMIC
VII Regular
Interest
SWAP-IO-2
shall
receive 100%
of
amounts received in respect of the Class
SWAP-IO-2
Interest.
|
ARTICLE
I
DEFINITIONS
| SECTION 1.01. |
Defined
Terms.
|
Whenever
used in this Agreement, including, without limitation, in the Preliminary
Statement hereto, the following words and phrases, unless the context otherwise
requires, shall have the meanings specified in this Article. Unless otherwise
specified, all calculations described herein shall be made on the basis of
a
360-day year consisting of twelve 30-day months.
“Accepted
Master Servicing Practices”: With respect to any Mortgage Loan, as applicable,
either (x) those customary mortgage loan master servicing practices of prudent
mortgage servicing institutions that master service mortgage loans of the same
type and quality as such Mortgage Loan in the jurisdiction where the related
Mortgaged Property is located, to the extent applicable to the Master Servicer
(except in its capacity as successor to either Servicer), or (y) as provided
in
Section 3A.01 hereof, but in no event below the standard set forth in
clause (x).
“Accrual
Period”: With respect to the Class A Certificates and the Mezzanine Certificates
and each Distribution Date, the period commencing on the preceding Distribution
Date (or in the case of the first such Accrual Period, commencing on the Closing
Date) and ending on the day preceding the current Distribution Date. With
respect to the Class CE Certificates and the REMIC Regular Interests and each
Distribution Date, the calendar month prior to the month of such Distribution
Date.
“Additional
Form 10-D Disclosure”: The meaning set forth in Section 4.06(a)(i).
“Additional
Form 10-K Disclosure”: The meaning set forth in Section
4.06(a)(iv).
“Adjustable-Rate
Mortgage Loan”: Each of the Mortgage Loans identified in the Mortgage Loan
Schedule as having a Mortgage Rate that is subject to adjustment.
“Adjusted
Net Maximum Mortgage Rate”: With respect to any Mortgage Loan (or the related
REO Property), as of any date of determination, a per annum rate of interest
equal to the applicable Maximum Mortgage Rate for such Mortgage Loan (or the
Mortgage Rate in the case of any Fixed-Rate Mortgage Loan) as of the first
day
of the month preceding the month in which the related Distribution Date occurs
minus
the
sum of (i) the Master Servicing Fee Rate, (ii) the Servicing Fee Rate and (iii)
the Credit Risk Manager Fee Rate.
“Adjusted
Net Mortgage Rate”: With respect to any Mortgage Loan (or the related REO
Property), as of any date of determination, a per annum rate of interest equal
to the applicable Mortgage Rate for such Mortgage Loan as of the first day
of
the month preceding the month in which the related Distribution Date occurs
minus
the
sum of (i) the Master Servicing Fee Rate, (ii) the Servicing Fee Rate and (iii)
the Credit Risk Manager Fee Rate.
“Adjustment
Date”: With respect to each Adjustable-Rate Mortgage Loan, the first day of the
month in which the Mortgage Rate of such Mortgage Loan changes pursuant to
the
related Mortgage Note. The first Adjustment Date following the Cut-off Date
as
to each Adjustable-Rate Mortgage Loan is set forth in the Mortgage Loan
Schedule.
“Advance”:
With respect to any Distribution Date, as to any Mortgage Loan or REO Property,
any advance made by either Servicer in respect of Monthly Payments due during
the related Due Period pursuant to Section 4.03 or by the Master Servicer (in
its capacity as a successor Servicer) or any other successor Servicer pursuant
to Section 4.03.
“Advance
Facility”: As defined in Section 3.29 hereof.
“Advancing
Person”: As defined in Section 3.29 hereof.
“Affiliate”:
With respect to any specified Person, any other Person controlling or controlled
by or under common control with such specified Person. For the purposes of
this
definition, “control” when used with respect to any specified Person means the
power to direct the management and policies of such Person, directly or
indirectly, whether through the ownership of voting securities, by contract
or
otherwise, and the terms “controlling” and “controlled” have meanings
correlative to the foregoing.
“Aggregate
Loss Severity Percentage”: With respect to any Distribution Date, the percentage
equivalent of a fraction, the numerator of which is the aggregate amount of
Realized Losses incurred on any Mortgage Loans from the Cut-off Date to the
last
day of the preceding calendar month and the denominator of which is the
aggregate Stated Principal Balance of such Mortgage Loans immediately prior
to
the liquidation of such Mortgage Loans.
“Agreement”:
This Pooling and Servicing Agreement and all amendments hereof and supplements
hereto.
“Allocated
Realized Loss Amount”: With respect to any Distribution Date and any Class of
Mezzanine Certificates, (i) the sum of (a) any Realized Losses allocated to
such
Class of Certificates on such Distribution Date and (b) the amount of any
Allocated Realized Loss Amount for such Class of Certificates remaining
undistributed from the previous Distribution Date reduced by (ii) the amount of
any Subsequent Recoveries added to the Certificate Principal Balance of such
Class of Certificates.
“Assessment
of Compliance”: As defined in Section 3.21.
“Assignment”:
An assignment of Mortgage, notice of transfer or equivalent instrument, in
recordable form (excepting therefrom, if applicable, the mortgage recordation
information which has not been required pursuant to Section 2.01 hereof or
returned by the applicable recorder’s office), which is sufficient under the
laws of the jurisdiction wherein the related Mortgaged Property is located
to
reflect of record the sale of the Mortgage, which assignment, notice of transfer
or equivalent instrument may be in the form of one or more blanket assignments
covering Mortgages secured by Mortgaged Properties located in the same county,
if permitted by law.
“Assignment
Agreement”: Each Assignment and Recognition Agreement, dated February 27, 2006,
among the Depositor, the Seller and the related Originator, forms of which
are
attached hereto as Exhibit D, pursuant to which the Seller assigns its rights
under the related Master Agreement to the Depositor.
“Attestation
Report”: As defined in Section 3.21.
“Available
Funds”: With respect to any Distribution Date, an amount equal to the excess of
(i) the sum of (a) the aggregate of the related Monthly Payments received on
the
Mortgage Loans by the Servicers on or prior to the related Determination Date,
(b) Net Liquidation Proceeds, Insurance Proceeds, Principal Prepayments,
Subsequent Recoveries, proceeds from repurchases of and substitutions for such
Mortgage Loans and other unscheduled recoveries of principal and interest in
respect of the Mortgage Loans received by the Servicers during the related
Prepayment Period, (c) the aggregate of any amounts received by the Servicers
in
respect of a related REO Property and withdrawn from any REO Account and
remitted to the Master Servicer for such Distribution Date, (d) the aggregate
of
any amounts on deposit in the Distribution Account representing Compensating
Interest paid by either Servicer or the Master Servicer in respect of related
Prepayment Interest Shortfalls for such Distribution Date, (e) the aggregate
of
any Advances made by the Servicers for such Distribution Date in respect of
the
Mortgage Loans and (f) the aggregate of any related Advances made by the Master
Servicer (or other successor Servicer) in respect of the Mortgage Loans for
such
Distribution Date pursuant to Section 4.03 over (ii) the sum of (a) amounts
reimbursable or payable to the Servicers pursuant to Section 3.11(a) or to
the
Master Servicer pursuant to Section 3A.21, (b) Extraordinary Trust Fund
Expenses reimbursable to the Trustee, the Servicers, the Master Servicer or
the
Trust Administrator pursuant to Section 3A.12, (c) amounts in respect of
the items set forth in clauses (i)(a) through (i)(f) above deposited in the
Collection Account or the Distribution Account, as the case may be, in error,
(d) the amount of any Prepayment Charges collected by the Servicers in
connection with the full or partial prepayment of any of the Mortgage Loans
and
any Servicer Prepayment Charge Payment Amount, (e) any indemnification and
reimbursement amounts owed to the Trust Administrator, the Trustee or the
Custodian payable from the Distribution Account pursuant to Section 8.05,
(f) the Credit Risk Manager Fee, (g) without duplication, any amounts in respect
of the items set forth in clauses (i)(a) and (i)(b) permitted hereunder to
be
retained by the Master Servicer or to be withdrawn by the Master Servicer from
the Distribution Account pursuant to Section 3A.12, (h) Servicing Fees
retained by the Servicers pursuant to Section 3.11 and (i) any Net Swap Payment
or Swap Termination Payment owed to a Swap Provider (other than any Swap
Termination Payment owed to a Swap Provider resulting from a Swap Provider
Trigger Event). Notwithstanding any of the foregoing, with respect to any items
that are part of the Available Funds as defined above and that are required
to
be remitted by each Servicer to the Master Servicer, the Available Funds shall
not be deemed to include any portion of such items that are not actually
remitted by such Servicer to the Master Servicer.
“Back-Up
Certification”: The meaning set forth in Section 4.06(a)(iv).
“Balloon
Mortgage Loan”: A Mortgage Loan that provides for the payment of the unamortized
principal balance of such Mortgage Loan in a single payment at the maturity
of
such Mortgage Loan that is substantially greater than the preceding monthly
payment.
“Balloon
Payment”: A payment of the unamortized principal balance of a Mortgage Loan in a
single payment at the maturity of such Mortgage Loan that is substantially
greater than the preceding Monthly Payment.
“Bankruptcy
Code”: The Bankruptcy Reform Act of 1978 (Title 11 of the United States Code),
as amended.
“Basic
Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (i) the Principal Remittance Amount for such Distribution Date over
(ii) the Overcollateralization Release Amount, if any, for such Distribution
Date.
“Book-Entry
Certificate”: The Class A Certificates and the Mezzanine Certificates for so
long as the Certificates of such Class shall be registered in the name of the
Depository or its nominee.
“Book-Entry
Custodian”: The custodian appointed pursuant to Section 5.01.
“Business
Day”: Any day other than a Saturday, a Sunday or a day on which banking or
savings and loan institutions in the State of Arizona, the State of California,
the State of New Jersey, the State of New York, the State of Florida, or in
the
cities in which the Corporate Trust Office of the Trustee or the Corporate
Trust
Office of the Trust Administrator is located, are authorized or obligated by
law
or executive order to be closed.
“Cap
Account”: The account or accounts created and maintained pursuant to Section
4.10. The Cap Account must be an Eligible Account.
“Cap
Contract”: The cap contract between the Trust Administrator on behalf of the
Trust and the counterparty thereunder relating to the Class A Certificates
and
the Mezzanine Certificates.
“Certification
Parties”: The meaning set forth in Section 4.06(a)(iv).
“Certificate”:
Any one of the Mortgage Pass-Through Certificates, Series 2006-HE1, Class A-1,
Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class A-4, Class M-1, Class M-2, Class M-3, Class M-4,
Class M-5, Class M-6, Class M-7, Class M-8, Class M-9, Class M-10, Class M-11,
Class CE, Class P, Class R or Class R-X, issued under this
Agreement.
“Certificate
Factor”: With respect to any Class of Regular Certificates as of any
Distribution Date, a fraction, expressed as a decimal carried to at least six
places, the numerator of which is the aggregate Certificate Principal Balance
(or the Notional Amount, in the case of the Class CE Certificates) of such
Class
of Certificates on such Distribution Date (after giving effect to any
distributions of principal and allocations of Realized Losses in reduction
of
the Certificate Principal Balance (or the Notional Amount, in the case of the
Class CE Certificates) of such Class of Certificates to be made on such
Distribution Date), and the denominator of which is the initial aggregate
Certificate Principal Balance (or the Notional Amount, in the case of the Class
CE Certificates) of such Class of Certificates as of the Closing
Date.
“Certificate
Margin”: With respect to each Class A Certificate and Mezzanine Certificate and,
for purposes of the Marker Rate, the specified REMIC II Regular Interest, as
follows:
|
Class
|
REMIC
II Regular Interest
|
Certificate
Margin
|
|
|
(1)
(%)
|
(2)
(%)
|
||
|
A-1
|
II-LTA1
|
0.080
|
0.160
|
|
▇-▇
|
▇▇-▇▇▇▇
|
▇.▇▇▇
|
▇.▇▇▇
|
|
▇-▇
|
▇▇-▇▇▇▇
|
0.190
|
0.380
|
|
▇-▇
|
▇▇-▇▇▇▇
|
0.290
|
0.580
|
|
M-1
|
II-LTM1
|
0.370
|
0.555
|
|
M-2
|
II-LTM2
|
0.380
|
0.570
|
|
M-3
|
II-LTM3
|
0.400
|
0.600
|
|
M-4
|
II-LTM4
|
0.510
|
0.765
|
|
M-5
|
II-LTM5
|
0.540
|
0.810
|
|
M-6
|
II-LTM6
|
0.630
|
0.945
|
|
M-7
|
II-LTM7
|
1.200
|
1.800
|
|
M-8
|
II-LTM8
|
1.500
|
2.250
|
|
M-9
|
II-LTM9
|
2.450
|
3.675
|
|
M-10
|
II-LTM10
|
2.500
|
3.750
|
|
M-11
|
II-LTM11
|
2.500
|
3.750
|
__________
|
(1)
|
For
the Interest Accrual Period for each Distribution Date on or prior
to the
Optional Termination Date.
|
|
(2)
|
For
the Interest Accrual Period for each Distribution Date after the
Optional
Termination Date.
|
“Certificateholder”
or “Holder”: The Person in whose name a Certificate is registered in the
Certificate Register, except that a Disqualified Organization or a Non-United
States Person shall not be a Holder of a Residual Certificate for any purposes
hereof and, solely for the purposes of giving any consent pursuant to this
Agreement, any Certificate registered in the name of the Depositor, a Servicer
or the Master Servicer or any Affiliate thereof shall be deemed not to be
outstanding and the Voting Rights to which it is entitled shall not be taken
into account in determining whether the requisite percentage of Voting Rights
necessary to effect any such consent has been obtained, except as otherwise
provided in Section 11.01. The Trust Administrator and the Trustee and the
NIMS Insurer may conclusively rely upon a certificate of the Depositor, a
Servicer or the Master Servicer in determining whether a Certificate is held
by
an Affiliate thereof. All references herein to “Holders” or “Certificateholders”
shall reflect the rights of Certificate Owners as they may indirectly exercise
such rights through the Depository and participating members thereof, except
as
otherwise specified herein; provided, however, that the Trust Administrator,
the
Trustee and the NIMS Insurer shall be required to recognize as a “Holder” or
“Certificateholder” only the Person in whose name a Certificate is registered in
the Certificate Register.
“Certificate
Owner”: With respect to a Book-Entry Certificate, the Person who is the
beneficial owner of such Certificate as reflected on the books of the Depository
or on the books of a Depository Participant or on the books of an indirect
participating brokerage firm for which a Depository Participant acts as
agent.
“Certificate
Principal Balance”: With respect to each Class A Certificate, Mezzanine
Certificate or Class P Certificate as of any date of determination, the
Certificate Principal Balance of such Certificate on the Distribution Date
immediately prior to such date of determination plus any Subsequent Recoveries
added to the Certificate Principal Balance of such Certificate pursuant to
Section 4.01, minus all distributions allocable to principal made thereon
and Realized Losses allocated thereto on such immediately prior Distribution
Date (or, in the case of any date of determination up to and including the
first
Distribution Date, the initial Certificate Principal Balance of such
Certificate, as stated on the face thereof). With respect to each Class CE
Certificate as of any date of determination, an amount equal to the Percentage
Interest evidenced by such Certificate times the excess, if any, of (A) the
then
aggregate Uncertificated Balance of the REMIC II Regular Interests over (B)
the
then aggregate Certificate Principal Balance of the Class A Certificates, the
Mezzanine Certificates and the Class P Certificates then
outstanding.
“Certificate
Register”: The register maintained pursuant to Section 5.02.
“Certifying
Person”: The meaning set forth in Section 4.06(a)(iv).
“CHF”:
Chase Home Finance, LLC.
“Class”:
Collectively, all of the Certificates bearing the same class
designation.
“Class
A
Certificates”: Any of the Class A-1 Certificates, Class A-2 Certificates, Class
A-3 Certificates or Class A-4 Certificates.
“Class
A-1 Certificate”: Any one of the Class A-1 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-1 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
A-2 Certificate”: Any one of the Class A-2 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-2 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
A-3 Certificate”: Any one of the Class A-3 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-3 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
A-4 Certificate”: Any one of the Class A-4 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-4 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
CE
Certificate”: Any one of the Class CE Certificates executed, authenticated and
delivered by the Trust Administrator, substantially in the form annexed hereto
as Exhibit A-16 and evidencing (i) a Regular Interest in REMIC IV, (ii) the
obligation to pay Net WAC Rate Carryover Amounts and Swap Termination Payments
and (iii) the right to receive the Class IO Distribution Amount.
“Class
CE
Interest”: An uncertificated interest in the Trust Fund held by the Trustee on
behalf of the Holders of the Class CE Certificates, evidencing a Regular
Interest in REMIC III for purposes of the REMIC Provisions.
“Class
IO
Distribution Amount”: As defined in Section 4.08 hereof. For purposes of
clarity, the Class IO Distribution Amount for any Distribution Date shall equal
the amount payable to the Trust Administrator on such Distribution Date in
excess of the amount payable on the Class SWAP-IO-1 Interest and the Class
SWAP-IO-2 Interest on such Distribution Date, all as further provided in Section
4.08 hereof.
“Class
M-1 Certificate”: Any one of the Class M-1 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-5 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-1 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date) and (ii) the
Certificate Principal Balance of the Class M-1 Certificates immediately prior
to
such Distribution Date over (y) the lesser of (A) the product of (i) 60.70%
and
(ii) the aggregate Stated Principal Balance of the Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Class
M-2 Certificate”: Any one of the Class M-2 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-6 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-2 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date) and (iii) the Certificate Principal Balance of the Class M-2 Certificates
immediately prior to such Distribution Date over (y) the lesser of (A) the
product of (i) 67.70% and (ii) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and (B) the excess of the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) over
$3,301,161.26.
“Class
M-3 Certificate”: Any one of the Class M-3 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-7 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-3 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date) and (iv) the Certificate
Principal Balance of the Class M-3 Certificates immediately prior to such
Distribution Date over (y) the lesser of (A) the product of (i) 72.10% and
(ii)
the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Class
M-4 Certificate”: Any one of the Class M-4 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-8 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-4 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date) and (v) the Certificate Principal Balance of the Class M-4 Certificates
immediately prior to such Distribution Date over (y) the lesser of (A) the
product of (i) 75.80% and (ii) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and (B) the excess of the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) over
$3,301,161.26.
“Class
M-5 Certificate”: Any one of the Class M-5 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-9 and evidencing (i) a Regular Interest in REMIC III, (ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-5 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date) and (vi) the Certificate
Principal Balance of the Class M-5 Certificates immediately prior to such
Distribution Date over (y) the lesser of (A) the product of (i) 79.30% and
(ii)
the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Class
M-6 Certificate”: Any one of the Class M-6 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-10 and evidencing (i) a Regular Interest in REMIC III,
(ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-6 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date) and (vii) the Certificate Principal Balance of the Class M-6 Certificates
immediately prior to such Distribution Date over (y) the lesser of (A) the
product of (i) 82.50% and (ii) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and (B) the excess of the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) over
$3,301,161.26.
“Class
M-7 Certificate”: Any one of the Class M-7 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-11 and evidencing (i) a Regular Interest in REMIC III,
(ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-7 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date), (vii) the Certificate Principal Balance of the Class M-6 Certificates
(after taking into account the distribution of the Class M-6 Principal
Distribution Amount on such Distribution Date) and (viii) the Certificate
Principal Balance of the Class M-7 Certificates immediately prior to such
Distribution Date over (y) the lesser of (A) the product of (i) 85.50% and
(ii)
the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Class
M-8 Certificate”: Any one of the Class M-8 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-12 and evidencing (i) a Regular Interest in REMIC III,
(ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-8 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the di stribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date), (vii) the Certificate Principal Balance of the Class M-6 Certificates
(after taking into account the distribution of the Class M-6 Principal
Distribution Amount on such Distribution Date), (viii) the Certificate Principal
Balance of the Class M-7 Certificates (after taking into account the
distribution of the Class M-7 Principal Distribution Amount on such Distribution
Date) and (ix) the Certificate Principal Balance of the Class M-8 Certificates
immediately prior to such Distribution Date over (y) the lesser of (A) the
product of (i) 88.20% and (ii) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and (B) the excess of the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) over
$3,301,161.26.
“Class
M-9 Certificate”: Any one of the Class M-9 Certificates executed, authenticated
and delivered by the Trust Administrator, substantially in the form annexed
hereto as Exhibit A-13 and evidencing (i) a Regular Interest in REMIC III,
(ii)
the right to receive the Net WAC Rate Carryover Amount and (iii) the obligation
to pay the Class IO Distribution Amount.
“Class
M-9 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date), (vii) the Certificate Principal Balance of the Class M-6 Certificates
(after taking into account the distribution of the Class M-6 Principal
Distribution Amount on such Distribution Date), (viii) the Certificate Principal
Balance of the Class M-7 Certificates (after taking into account the
distribution of the Class M-7 Principal Distribution Amount on such Distribution
Date), (ix) the Certificate Principal Balance of the Class M-8 Certificates
(after taking into account the distribution of the Class M-8 Principal
Distribution Amount on such Distribution Date) and (x) the Certificate Principal
Balance of the Class M-9 Certificates immediately prior to such Distribution
Date over (y) the lesser of (A) the product of (i) 90.40% and (ii) the aggregate
Stated Principal Balance of the Mortgage Loans as of the last day of the related
Due Period (after giving effect to scheduled payments of principal due during
the related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) and
(B)
the excess of the aggregate Stated Principal Balance of the Mortgage Loans
as of
the last day of the related Due Period (after giving effect to scheduled
payments of principal due during the related Due Period, to the extent received
or advanced, and unscheduled collections of principal received during the
related Prepayment Period) over $3,301,161.26.
“Class
M-10 Certificate”: Any one of the Class M-10 Certificates executed,
authenticated and delivered by the Trust Administrator, substantially in the
form annexed hereto as Exhibit A-14 and evidencing (i) a Regular Interest in
REMIC III, (ii) the right to receive the Net WAC Rate Carryover Amount and
(iii)
the obligation to pay the Class IO Distribution Amount.
“Class
M-10 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date), (vii) the Certificate Principal Balance of the Class M-6 Certificates
(after taking into account the distribution of the Class M-6 Principal
Distribution Amount on such Distribution Date), (viii) the Certificate Principal
Balance of the Class M-7 Certificates (after taking into account the
distribution of the Class M-7 Principal Distribution Amount on such Distribution
Date), (ix) the Certificate Principal Balance of the Class M-8 Certificates
(after taking into account the distribution of the Class M-8 Principal
Distribution Amount on such Distribution Date), (x) the Certificate Principal
Balance of the Class M-9 Certificates (after taking into account the
distribution of the Class M-9 Principal Distribution Amount on such Distribution
Date) and (xi) the Certificate Principal Balance of the Class M-10 Certificates
immediately prior to such Distribution Date over (y) the lesser of (A) the
product of (i) 92.50% and (ii) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and (B) the excess of the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) over
$3,301,161.26.
“Class
M-11 Certificate”: Any one of the Class M-11 Certificates executed,
authenticated and delivered by the Trust Administrator, substantially in the
form annexed hereto as Exhibit A-15 and evidencing (i) a Regular Interest in
REMIC III, (ii) the right to receive the Net WAC Rate Carryover Amount and
(iii)
the obligation to pay the Class IO Distribution Amount.
“Class
M-11 Principal Distribution Amount”: With respect to any Distribution Date, the
excess of (x) the sum of (i) the aggregate Certificate Principal Balance of
the
Class A Certificates (after taking into account the distribution of the Senior
Principal Distribution Amount on such Distribution Date), (ii) the Certificate
Principal Balance of the Class M-1 Certificates (after taking into account
the
distribution of the Class M-1 Principal Distribution Amount on such Distribution
Date), (iii) the Certificate Principal Balance of the Class M-2 Certificates
(after taking into account the distribution of the Class M-2 Principal
Distribution Amount on such Distribution Date), (iv) the Certificate Principal
Balance of the Class M-3 Certificates (after taking into account the
distribution of the Class M-3 Principal Distribution Amount on such Distribution
Date), (v) the Certificate Principal Balance of the Class M-4 Certificates
(after taking into account the distribution of the Class M-4 Principal
Distribution Amount on such Distribution Date), (vi) the Certificate Principal
Balance of the Class M-5 Certificates (after taking into account the
distribution of the Class M-5 Principal Distribution Amount on such Distribution
Date), (vii) the Certificate Principal Balance of the Class M-6 Certificates
(after taking into account the distribution of the Class M-6 Principal
Distribution Amount on such Distribution Date), (viii) the Certificate Principal
Balance of the Class M-7 Certificates (after taking into account the
distribution of the Class M-7 Principal Distribution Amount on such Distribution
Date), (ix) the Certificate Principal Balance of the Class M-8 Certificates
(after taking into account the distribution of the Class M-8 Principal
Distribution Amount on such Distribution Date), (x) the Certificate Principal
Balance of the Class M-9 Certificates (after taking into account the
distribution of the Class M-9 Principal Distribution Amount on such Distribution
Date), (xi) the Certificate Principal Balance of the Class M-10 Certificates
(after taking into account the distribution of the Class M-10 Principal
Distribution Amount on such Distribution Date) and (xii) the Certificate
Principal Balance of the Class M-11 Certificates immediately prior to such
Distribution Date over (y) the lesser of (A) the product of (i) 94.50% and
(ii)
the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Class
P
Certificate”: Any one of the Class P Certificates executed, authenticated and
delivered by the Trust Administrator, substantially in the form annexed hereto
as Exhibit A-17 and evidencing a Regular Interest in REMIC V for purposes of
the
REMIC Provisions.
“Class
P
Interest”: An uncertificated interest in the Trust Fund held by the Trustee on
behalf of the Holders of the Class P Certificates, evidencing a Regular Interest
in REMIC III for purposes of the REMIC Provisions.
“Class
R
Certificate”: Any one of the Class R Certificates executed, authenticated and
delivered by the Trust Administrator, substantially in the form annexed hereto
as Exhibit A-18 and evidencing the ownership of the Class R-I Interest, the
Class R-II Interest and the Class R-III Interest.
“Class
R-X Certificate”: The Class R-X Certificate executed, authenticated and
delivered by the Trust Administrator, substantially in the form annexed hereto
as Exhibit A-19 and evidencing the ownership of the Class R-IV Interest, the
Class R-V Interest, the Class R-VI Interest and the Class R-VII
Interest.
“Class
R-I Interest”: The uncertificated Residual Interest in REMIC I.
“Class
R-II Interest”: The uncertificated Residual Interest in REMIC II.
“Class
R-III Interest”: The uncertificated Residual Interest in REMIC III.
“Class
R-IV Interest”: The uncertificated Residual Interest in REMIC IV.
“Class
R-V Interest”: The uncertificated Residual Interest in REMIC V.
“Class
R-VI Interest”: The uncertificated Residual Interest in REMIC VI.
“Class
R-VII Interest”: The uncertificated Residual Interest in REMIC VII.
“Class
SWAP-IO-1 Interest”: An uncertificated interest in the Trust Fund evidencing a
Regular Interest in REMIC III.
“Class
SWAP-IO-2 Interest”: An uncertificated interest in the Trust Fund evidencing a
Regular Interest in REMIC III.
“Closing
Date”: February 27, 2006.
“Code”:
The Internal Revenue Code of 1986, as amended.
“Collection
Account”: The account or accounts created and maintained, or caused to be
created and maintained, by each Servicer pursuant to Section 3.10(a), which
shall be entitled (i) “Chase Home Finance, LLC as subservicer for JPMorgan Chase
Bank, National Association, as a Servicer for U.S. Bank National Association,
as
Trustee, in trust for the registered holders of MASTR Asset Backed Securities
Trust 2006-HE1, Mortgage Pass-Through Certificates” and (ii) “▇▇▇▇▇ Fargo Bank,
N.A., as a Servicer for U.S. Bank National Association, as Trustee, in trust
for
the registered holders of MASTR Asset Backed Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates.” Each Collection Account must be an Eligible Account
“Commission”:
The U.S. Securities and Exchange Commission.
“Compensating
Interest”: With respect to each Servicer and any Principal Prepayment, the
amount not to exceed the amount of the aggregate Servicing Fee to be paid to
or
retained by the related Servicer for such Distribution Date, in respect of
Prepayment Interest Shortfalls required to be paid by such Servicer pursuant
to
Section 3.24 from its own funds without right of reimbursement. With respect
to
the Master Servicer, the amount in respect of Prepayment Interest Shortfalls
required to be paid by the Master Servicer pursuant to Section 3A.10 from
its own funds without right of reimbursement except as provided in
Section 3A.10.
“Compensating
Interest Payment”: As defined in Section 3.24.
“Corporate
Trust Office”: The principal corporate trust office of the Trustee or the Trust
Administrator, as the case may be, at which at any particular time its corporate
trust business in connection with this Agreement shall be administered, which
office at the date of the execution of this instrument is located at (i) with
respect to the Trustee, U.S. Bank National Association, ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇,
▇▇-▇▇-▇▇▇▇,
▇▇.
▇▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Attention: Structured Finance/MASTR 2006-HE1, or at
such
other address as the Trustee may designate from time to time by notice to the
Certificateholders, the Depositor, the Servicer, the Master Servicer, the
Originator, and the Trust Administrator, or (ii) with respect to the Trust
Administrator, (A) for Certificate transfer and surrender purposes, ▇▇▇▇▇ Fargo
Bank, N.A., ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇,
Attention: Corporate Trust Services—MASTR 2006-HE1 and (B) for all other
purposes, ▇▇▇▇▇ Fargo Bank, N.A., ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇
▇▇▇▇▇, Attention: Corporate Trust Services—MASTR 2006-HE1, or in each case at
such other address as the Trust Administrator may designate from time to time
by
notice to the Certificateholders, the Depositor, the Servicer, the Master
Servicer, the Originator and the Trustee.
“Corresponding
Certificate”: With respect to each REMIC II Regular Interest set forth below,
the corresponding Regular Certificate set forth in the table below:
|
REMIC
II Regular Interest
|
Regular
Certificate
|
|
II-LTA1
|
Class
A-1
|
|
II-LTA2
|
Class
▇-▇
|
|
▇▇-▇▇▇▇
|
▇▇▇▇▇
▇-▇
|
|
▇▇-▇▇▇▇
|
Class
A-4
|
|
II-LTM1
|
Class
M-1
|
|
II-LTM2
|
Class
M-2
|
|
II-LTM3
|
Class
M-3
|
|
II-LTM4
|
Class
M-4
|
|
II-LTM5
|
Class
M-5
|
|
II-LTM6
|
Class
M-6
|
|
II-LTM7
|
Class
M-7
|
|
II-LTM8
|
Class
M-8
|
|
II-LTM9
|
Class
M-9
|
|
II-LTM10
|
Class
M-10
|
|
II-LTM11
|
Class
M-11
|
|
II-LTP
|
Class
P
|
“Credit
Enhancement Percentage”: For any Distribution Date, the percentage equivalent of
a fraction, the numerator of which is the aggregate Certificate Principal
Balance of the Mezzanine Certificates and the Class CE Certificates, and the
denominator of which is the aggregate Stated Principal Balance of the Mortgage
Loans, calculated prior to taking into account distributions of principal on
the
Mortgage Loans and distribution of the Principal Distribution Amount to the
Certificates then entitled to distributions of principal on such Distribution
Date.
“Credit
Risk Management Agreement”: The respective agreements between the Credit Risk
Manager and a Servicer and/or Master Servicer regarding the loss mitigation
and
advisory services to be provided by the Credit Risk Manager.
“Credit
Risk Manager”: ▇▇▇▇▇▇▇ Fixed Income Services Inc., a Colorado corporation,
formerly known as The Murrayhill Company, and its successors and assigns.
“Credit
Risk Manager Fee”: The amount payable to the Credit Risk Manager on each
Distribution Date as compensation for all services rendered by it in the
exercise and performance of any of the powers and duties of the Credit Risk
Manager under the respective Credit Risk Management Agreement and any other
agreement pursuant to which the Credit Risk Manager is to perform any duties
with respect to the related Mortgage Loans, which amount shall equal one twelfth
of the product of (i) the Credit Risk Manager Fee Rate (without regard to the
words “per annum”) and (ii) the aggregate Stated Principal Balance of the
related Mortgage Loans and any related REO Properties as of the first day of
the
related Due Period.
“Credit
Risk Manager Fee Rate”: 0.0125% per annum.
“Cumulative
Loss Percentage”: With respect to any Distribution Date, the percentage
equivalent of a fraction, the numerator of which is the aggregate amount of
Realized Losses incurred from the Cut-off Date to the last day of the preceding
calendar month and the denominator of which is the sum of the aggregate Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date.
“Custodian”:
▇▇▇▇▇ Fargo Bank, N.A., and its successors and assigns, in its capacity as
Custodian under this Agreement.
“Cut-off
Date”: With respect to each Original Mortgage Loan, February 1, 2006. With
respect to all Qualified Substitute Mortgage Loans, their respective dates
of
substitution. References herein to the “Cut-off Date,” when used with respect to
more than one Mortgage Loan, shall be to the respective Cut-off Dates for such
Mortgage Loans.
“Cut-off
Date Principal Balance”: With respect to any Mortgage Loan, the unpaid Stated
Principal Balance thereof as of the Cut-off Date of such Mortgage Loan (or
as of
the applicable date of substitution with respect to a Qualified Substitute
Mortgage Loan), after giving effect to scheduled payments due on or before
the
Cut-off Date, whether or not received.
“Debt
Service Reduction”: With respect to any Mortgage Loan, a reduction in the
scheduled Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction
resulting from a Deficient Valuation.
“Deficient
Valuation”: With respect to any Mortgage Loan, a valuation of the related
Mortgaged Property by a court of competent jurisdiction in an amount less than
the then outstanding principal balance of the Mortgage Loan, which valuation
results from a proceeding initiated under the Bankruptcy Code.
“Definitive
Certificates”: As defined in Section 5.01(b).
“Deleted
Mortgage Loan”: A Mortgage Loan replaced or to be replaced by a Qualified
Substitute Mortgage Loan.
“Delinquency
Percentage”: As of the last day of the related Due Period, the percentage
equivalent of a fraction, the numerator of which is the aggregate Stated
Principal Balance of all Mortgage Loans that, as of the last day of the previous
calendar month, are 60 or more days delinquent, are in foreclosure, have been
converted to REO Properties or have been discharged by reason of bankruptcy
and
are 60 or more days delinquent, and the denominator of which is the aggregate
Stated Principal Balance of the Mortgage Loans and REO Properties as of the
last
day of the previous calendar month.
“Depositor”:
Mortgage Asset Securitization Transactions, Inc., a Delaware corporation, or
its
successor in interest.
“Depository”:
The Depository Trust Company, or any successor Depository hereafter named.
The
nominee of the initial Depository, for purposes of registering those
Certificates that are to be Book-Entry Certificates, is Cede & Co. The
Depository shall at all times be a “clearing corporation” as defined in Section
8-102(3) of the Uniform Commercial Code of the State of New York and a “clearing
agency” registered pursuant to the provisions of Section 17A of the Securities
Exchange Act of 1934, as amended.
“Depository
Participant”: A broker, dealer, bank or other financial institution or other
Person for whom from time to time a Depository effects book-entry transfers
and
pledges of securities deposited with the Depository.
“Determination
Date”: With respect to any Distribution Date, the 15th
day of
the calendar month in which such Distribution Date occurs or, if such
15th
day is
not a Business Day, the Business Day immediately preceding such 15th
day.
“Directly
Operate”: With respect to any REO Property, the furnishing or rendering of
services to the tenants thereof, the management or operation of such REO
Property, the holding of such REO Property primarily for sale to customers,
the
performance of any construction work thereon or any use of such REO Property
in
a trade or business conducted by REMIC I other than through an Independent
Contractor; provided, however, that the Trustee (or the related Servicer or
the
Master Servicer on behalf of the Trustee) shall not be considered to Directly
Operate an REO Property solely because the Trustee (or the related Servicer
or
the Master Servicer on behalf of the Trustee) establishes rental terms, chooses
tenants, enters into or renews leases, deals with taxes and insurance, or makes
decisions as to repairs or capital expenditures with respect to such REO
Property.
“Disqualified
Organization”: Any of the following: (i) the United States, any State or
political subdivision thereof, any possession of the United States, or any
agency or instrumentality of any of the foregoing (other than an instrumentality
which is a corporation if all of its activities are subject to tax and, except
for ▇▇▇▇▇▇▇ Mac, a majority of its board of directors is not selected by such
governmental unit), (ii) any foreign government, any international organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers’ cooperatives described in Section 521 of the
Code) which is exempt from the tax imposed by Chapter 1 of the Code (including
the tax imposed by Section 511 of the Code on unrelated business taxable
income), (iv) rural electric and telephone cooperatives described in
Section 1381(a)(2)(C) of the Code, (v) an “electing large partnership” and
(vi) any other Person so designated by the Trustee or the Trust Administrator
based upon an Opinion of Counsel that the holding of an Ownership Interest
in a
Residual Certificate by such Person may cause any Trust REMIC or any Person
having an Ownership Interest in any Class of Certificates (other than such
Person) to incur a liability for any federal tax imposed under the Code that
would not otherwise be imposed but for the Transfer of an Ownership Interest
in
a Residual Certificate to such Person. The terms “United States,” “State” and
“international organization” shall have the meanings set forth in
Section 7701 of the Code or successor provisions.
“Distribution
Account”: The trust account or accounts created and maintained by the Trust
Administrator pursuant to Section 3A.11 which shall be entitled “▇▇▇▇▇
Fargo Bank, N.A. as Trust Administrator, in trust for the registered holders
of
MASTR Asset Backed Securities Trust 2006-HE1, Mortgage Pass-Through
Certificates, Series 2006-HE1—Distribution Account.” The Distribution Account
must be an Eligible Account.
“Distribution
Date”: The 25th
day of
any month, or if such 25th
day is
not a Business Day, the Business Day immediately following such 25th
day,
commencing in March 2006.
“Due
Date”: With respect to each Distribution Date, the first day of the calendar
month in which such Distribution Date occurs, which is generally the day of
the
month on which the Monthly Payment is due on a Mortgage Loan, exclusive of
any
days of grace.
“Due
Period”: With respect to any Distribution Date, the period commencing on the
second day of the month immediately preceding the month in which such
Distribution Date occurs and ending on the related Due Date.
“Eligible
Account”: Any of (i) an account or accounts maintained with a federal or state
chartered depository institution or trust company the short-term unsecured
debt
obligations of which (or, in the case of a depository institution or trust
company that is the principal subsidiary of a holding company, the short-term
unsecured debt obligations of such holding company) are rated P-1 by ▇▇▇▇▇’▇ or
A-1+ by S&P (or comparable ratings if ▇▇▇▇▇’▇ and S&P are not the Rating
Agencies) at the time any amounts are held on deposit therein, (ii) with respect
to any escrow account, an account or accounts the deposits in which are fully
insured by the FDIC (to the limits established by such corporation), the
uninsured deposits in which account are otherwise secured such that, as
evidenced by an Opinion of Counsel delivered to the NIMS Insurer, the Trust
Administrator, the Trustee and to each Rating Agency, the Certificateholders
will have a claim with respect to the funds in such account or a perfected
first
priority security interest against such collateral (which shall be limited
to
Permitted Investments) securing such funds that is superior to claims of any
other depositors or creditors of the depository institution with which such
account is maintained, (iii) a trust account or accounts maintained with the
trust department of a federal or state chartered depository institution,
national banking association or trust company acting in its fiduciary capacity
or (iv) an account otherwise acceptable to the NIMS Insurer and to each Rating
Agency without reduction or withdrawal of their then current ratings of the
Certificates as evidenced by a letter from each Rating Agency to the Trust
Administrator, the Trustee and the NIMS Insurer. Eligible Accounts may bear
interest.
“ERISA”:
The Employee Retirement Income Security Act of 1974, as amended.
“Estate
in Real Property”: A fee simple estate in a parcel of land.
“Excess
Overcollateralized Amount”: With respect to the Class A Certificates and the
Mezzanine Certificates and any Distribution Date, the excess, if any, of (i)
the
Overcollateralized Amount for such Distribution Date, assuming that 100% of
the
Principal Remittance Amount is applied as a principal distribution on such
Distribution Date over (ii) the Overcollateralization Target Amount for such
Distribution Date.
“Exchange
Act”: The Securities Exchange Act of 1934, as amended, and the rules and
regulations thereunder.
“Extra
Principal Distribution Amount”: With respect to any Distribution Date, the
lesser of (x) the sum of (i) Monthly Interest Distributable Amount payable
on
the Class CE Certificates on such Distribution Date as reduced by Realized
Losses allocated thereto with respect to such Distribution Date pursuant to
Section 4.04 and (ii) any amounts received under the Interest Rate Swap
Agreements or the Cap Contract for this purpose and (y) the
Overcollateralization Deficiency Amount for such Distribution Date.
“Extraordinary
Trust Fund Expense”: Any amounts reimbursable to the Master Servicer pursuant to
Section 3A.03 or Section 6.03, to the Servicers, the Trustee or the
Trust Administrator, or any director, officer, employee or agent of the Trustee
or the Trust Administrator from the Trust Fund pursuant to Section 6.03,
Section 8.05 or Section 10.01(c) and any amounts payable from the
Distribution Account in respect of taxes pursuant to
Section 10.01(g)(iii).
“▇▇▇▇▇▇
▇▇▇”: ▇▇▇▇▇▇ ▇▇▇, formally known as the Federal National Mortgage Association,
or any successor thereto.
“FDIC”:
Federal Deposit Insurance Corporation or any successor thereto.
“Final
Recovery Determination”: With respect to any defaulted Mortgage Loan or any REO
Property (other than a Mortgage Loan or REO Property purchased or repurchased
by
an Originator, the Seller, the Depositor, either Servicer or the NIMS Insurer
pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section
9.01), a determination made by the related Servicer that all Insurance Proceeds,
Liquidation Proceeds and other payments or recoveries which such Servicer,
in
its reasonable good faith judgment, expects to be finally recoverable in respect
thereof have been so recovered. Each Servicer shall maintain records, prepared
by a Servicing Officer, of each Final Recovery Determination made thereby.
“Fixed-Rate
Mortgage Loans”: Each of the Mortgage Loans identified in the Mortgage Loan
Schedule whose Mortgage Rates remain fixed for the life of the Mortgage Loan.
“Fixed
Swap Payment”: With respect to any Distribution Date, a fixed amount equal to
the related amount set forth in the related Interest Rate Swap
Agreement.
“Floating
Swap Payment”: With respect to any Distribution Date, a floating amount equal to
the product of (i) one-month LIBOR (as determined pursuant to the related
Interest Rate Swap Agreement for such Distribution Date), (ii) the related
Base
Calculation Amount (as defined in the related Interest Rate Swap Agreement),
(iii) 250 and (iv) a fraction, the numerator of which is the actual number
of
days elapsed from and including the previous Distribution Date to but excluding
the current Distribution Date (or, for the first Distribution Date, the actual
number of days elapsed from the Closing Date to but excluding the first
Distribution Date), and the denominator of which is 360.
“Form
8-K
Disclosure Information”: The meaning set forth in Section
4.06(a)(iii).
“Formula
Rate”: For any Distribution Date and the Class A Certificates and the Mezzanine
Certificates, the lesser of (i) One-Month LIBOR plus the related Certificate
Margin and (ii) the Maximum Cap Rate.
“▇▇▇▇▇▇▇
Mac”: ▇▇▇▇▇▇▇ Mac, formally known as the Federal Home Loan Mortgage Corporation,
or any successor thereto.
“Gross
Margin”: With respect to each Adjustable-Rate Mortgage Loan, the fixed
percentage set forth in the related Mortgage Note that is added to the Index
on
each Adjustment Date in accordance with the terms of the related Mortgage Note
used to determine the Mortgage Rate for such Adjustable-Rate Mortgage
Loan.
“Highest
Priority”: As of any date of determination, the Class of Mezzanine Certificates
then outstanding with a Certificate Principal Balance greater than zero, with
the highest priority for payments pursuant to Section 4.01, in the
following order: Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class
M-6, Class M-7, Class M-8, Class M-9, Class M-10 and Class M-11
Certificates.
“Indenture”:
An indenture relating to the issuance of notes secured by the Class CE
Certificates, the Class P Certificates, the Class R Certificates and/or the
Class R-X Certificates (or any portion thereof) which may or may not be
guaranteed by the NIMS Insurer.
“Independent”:
When
used
with respect to any accountants, a Person who is “independent” within the
meaning of Rule 2-01(B) of the Securities and Exchange Commission’s Regulation
S-X. Independent means, when used with respect to any other Person, a Person
who
(A) is in fact independent of another specified Person and any affiliate of
such
other Person, (B) does not have any material direct or indirect financial
interest in such other Person or any affiliate of such other Person, (C) is
not
connected with such other Person or any affiliate of such other Person as an
officer, employee, promoter, underwriter, trustee, partner, director or Person
performing similar functions and (D) is not a member of the immediate family
of
a Person defined in clause (B) or (C) above.
“Independent
Contractor”: Either (i) any Person (other than a Servicer or the Master
Servicer) that would be an “independent contractor” with respect to REMIC I
within the meaning of Section 856(d)(3) of the Code if REMIC I were a real
estate investment trust (except that the ownership tests set forth in that
section shall be considered to be met by any Person that owns, directly or
indirectly, 35% or more of any Class of Certificates), so long as REMIC I does
not receive or derive any income from such Person and provided that the
relationship between such Person and REMIC I is at arm’s length, all within the
meaning of Treasury Regulation Section 1.856-4(b)(5), or (ii) any other
Person (including each Servicer and the Master Servicer) if the Trust
Administrator has received an Opinion of Counsel for the benefit of the Trustee
and the Trust Administrator to the effect that the taking of any action in
respect of any REO Property by such Person, subject to any conditions therein
specified, that is otherwise herein contemplated to be taken by an Independent
Contractor will not cause such REO Property to cease to qualify as “foreclosure
property” within the meaning of Section 860G(a)(8) of the Code (determined
without regard to the exception applicable for purposes of Section 860D(a)
of the Code), or cause any income realized in respect of such REO Property
to
fail to qualify as Rents from Real Property.
“Index”:
With respect to each Adjustable Rate Mortgage Loan and with respect to each
related Adjustment Date, the index as specified in the related Mortgage
Note.
“Insurance
Proceeds”: Proceeds of any title policy, hazard policy or other insurance
policy, covering a Mortgage Loan to the extent such proceeds are not to be
applied to the restoration of the related Mortgaged Property or released to
the
Mortgagor in accordance with the procedures that the related Servicer would
follow in servicing mortgage loans held for its own account, subject to the
terms and conditions of the related Mortgage Note and Mortgage.
“Interest
Determination Date”: With respect to the Class A Certificates, the Mezzanine
Certificates, REMIC II Regular Interest II-LTA1, REMIC II Regular Interest
II-LTA2, REMIC II Regular Interest II-LTA3, REMIC II Regular Interest II-LTA4,
REMIC II Regular Interest II-LTM1, REMIC II Regular Interest II-LTM2, REMIC
II
Regular Interest II-LTM3, REMIC II Regular Interest II-LTM4, REMIC II Regular
Interest II-LTM5, REMIC II Regular Interest II-LTM6, REMIC II Regular Interest
II-LTM7, REMIC II Regular Interest II-LTM8, REMIC II Regular Interest II-LTM9,
REMIC II Regular Interest II-LTM10 and REMIC II Regular Interest II-LTM11 and
any Accrual Period therefor, the second London Business Day preceding the
commencement of such Accrual Period.
“Interest
Rate Swap Agreements”: Each of the 1992 ISDA Master Agreements
(Multicurrency-Cross Border) dated as of February 27, 2006 (together with the
schedule thereto, the “Master Agreements”) between Bear ▇▇▇▇▇▇ Financial
Products Inc. or UBS AG, as applicable, and the Trust Administrator (in its
capacity as Supplemental Interest Trust Trustee) and a related confirmation
of
the same date, which supplements and forms part of the related Master Agreement.
“Interest
Remittance Amount”: With respect to any Distribution Date, that portion of the
Available Funds for such Distribution Date attributable to interest received
or
advanced with respect to the Mortgage Loans.
“JPMorgan”:
JPMorgan Chase Bank, National Association.
“JPMorgan
Mortgage Loans”: The Mortgage Loans serviced by JPMorgan.
“JPMorgan
Servicing Standard”: The servicing and administration of the JPMorgan Mortgage
Loans (a) in the same manner in which, and with the same care, skill, prudence
and diligence with which, JPMorgan services and administers similar mortgage
loans with similar mortgagors (i) for other third-parties, giving due
consideration to customary and usual standards of practice of prudent
institutional residential mortgage lenders servicing their own loans or (ii)
held in JPMorgan’s own portfolio, whichever standard is higher, and, in either
case, giving due consideration to customary and usual standards or practice
of
mortgage lenders and loan servicers servicing and administering similar mortgage
loans, (b) with a view to the maximization of the recovery of the JPMorgan
Mortgage Loans on a net present value basis and the best interests of the
Certificateholders, (c) without regard to (i) any relationship that JPMorgan
or
any Affiliate may have with the related Mortgagor or any other party to the
transaction; (ii) the right of JPMorgan to receive compensation or other fees
for its services rendered pursuant to this Agreement; (iii) the obligation
of
JPMorgan to make Servicing Advances; (iv) the ownership, servicing or management
by JPMorgan or any Affiliate thereof for others of any other mortgage loans
or
mortgage properties; and (v) any debt that JPMorgan or any Affiliate of JPMorgan
has extended to any Mortgagor or any Affiliate of such Mortgagor and (d) in
accordance with all applicable state, local and federal laws, rules and
regulations.
“Late
Collections”: With respect to any Mortgage Loan and any Due Period, all amounts
received by the related Servicer subsequent to the Determination Date
immediately following such Due Period, whether as late payments of Monthly
Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which
represent late payments or collections of principal and/or interest due (without
regard to any acceleration of payments under the related Mortgage and Mortgage
Note) but delinquent for such Due Period and not previously
recovered.
“Liquidated
Mortgage Loan”: As to any Distribution Date, any Mortgage Loan in respect of
which the related Servicer has determined, in its reasonable judgment, as of
the
end of the related Prepayment Period, that all Liquidation Proceeds which it
expects to recover with respect to the liquidation of the Mortgage Loan or
disposition of the related REO Property have been recovered.
“Liquidation
Event”: With respect to any Mortgage Loan, any of the following events: (i) such
Mortgage Loan is paid in full; (ii) a Final Recovery Determination is made
as to
such Mortgage Loan; or (iii) such Mortgage Loan is removed from REMIC I by
reason of its being purchased, repurchased or replaced pursuant to or as
contemplated by Section 2.03, Section 3.16(c) or Section 9.01. With respect
to
any REO Property, either of the following events: (i) a Final Recovery
Determination is made as to such REO Property; or (ii) such REO Property is
removed from REMIC I by reason of its being purchased pursuant to Section 9.01.
“Liquidation
Proceeds”: The amount (other than amounts received in respect of the rental of
any REO Property prior to REO Disposition) received by the related Servicer
in
connection with (i) the taking of all or a part of a Mortgaged Property by
exercise of the power of eminent domain or condemnation, (ii) the liquidation
of
a defaulted Mortgage Loan through a trustee’s sale, foreclosure sale or
otherwise, or (iii) the purchase, repurchase or substitution of a Mortgage
Loan
or an REO Property pursuant to or as contemplated by Section 2.03, Section
3.16(c) or Section 9.01.
“Loan-to-Value
Ratio”: As of any date of determination, the fraction, expressed as a
percentage, the numerator of which is the principal balance of the related
Mortgage Loan at such date and the denominator of which is the Value of the
related Mortgaged Property.
“London
Business Day”: Any day on which banks in the City of London and New York are
open and conducting transactions in United States dollars.
“Loss
Severity Percentage”: With respect to any Distribution Date, the percentage
equivalent of a fraction, the numerator of which is the amount of Realized
Losses incurred on a Mortgage Loan and the denominator of which is the principal
balance of such Mortgage Loan immediately prior to the liquidation of such
Mortgage Loan.
“Marker
Rate”: With respect to the Class CE Interest and any Distribution Date, a per
annum rate equal to two (2) times the weighted average of the REMIC II
Remittance Rate for each of REMIC II Regular Interests ▇▇-▇▇▇▇, ▇▇-▇▇▇▇,
▇▇-▇▇▇▇,
▇▇-▇▇▇▇, II-LTM1, II-LTM2, II-LTM3, II-LTM4, II-LTM5, II-LTM6, II-LTM7, II-LTM8,
II-LTM9, II-LTM10, II-LTM11 and II-LTZZ, with the rate on each such REMIC II
Regular Interest (other than REMIC II Regular Interest II-LTZZ) subject to
a cap
equal to the lesser of (a) One-Month LIBOR plus the related Certificate Margin
and (b) the Net WAC Rate for the purpose of this calculation and with the rate
on REMIC II Regular Interest II-LTZZ subject to a cap of zero for the purpose
of
this calculation; provided, however, that solely for this purpose, calculations
of the REMIC II Remittance Rate and the related caps with respect to such REMIC
II Regular Interests (other than REMIC II Regular Interest II-LTZZ) shall be
multiplied by a fraction, the numerator of which is the actual number of days
elapsed in the related Accrual Period and the denominator of which is
30.
“Master
Agreement”: Each of the Master Mortgage Loan Purchase and Interim Servicing
Agreements between the Seller and the related Originator, as amended (which
agreements have been assigned to the Depositor pursuant to the related
Assignment Agreement).
“Master
Servicer”: As of the Closing Date, ▇▇▇▇▇ Fargo Bank, N.A. and thereafter, its
respective successors in interest who meet the qualifications of the Master
Servicer under this Agreement. The Master Servicer and the Trust Administrator
shall at all times be the same Person.
“Master
Servicer Event of Termination”: One or more of the events described in
Section 7.01(b).
“Master
Servicing Compensation”: The meaning specified in
Section 3A.14.
“Master
Servicing Fee”: With respect to each Mortgage Loan, the amount of the annual fee
paid to the Master Servicer, which shall, for a period of one full month, be
equal to one-twelfth of the product of (a) the Master Servicing Fee Rate
(without regard to the words “per annum”) and (b) the outstanding principal
balance of such Mortgage Loan. Such fee shall be payable monthly, computed
on
the basis of the same principal amount and period respecting which any related
interest payment on a Mortgage Loan is received. The obligation for payment
of
the Master Servicing Fee is limited to, and the Master Servicing Fee is payable
solely from, the interest portion (including recoveries with respect to interest
from Liquidation Proceeds) of such Monthly Payment collected by the
Servicers.
“Master
Servicing Fee Rate”: With respect to each Mortgage Loan, the rate of 0.005% per
annum.
“Master
Servicing Transfer Costs”: Shall mean all reasonable out-of-pocket costs and
expenses incurred by the Trustee in connection with the transfer of master
servicing from a predecessor master servicer, including, without limitation,
any
reasonable costs or expenses associated with the complete transfer of all
servicing data and master servicing data and the completion, correction or
manipulation of such servicing data as may be required by the Trustee to correct
any errors or insufficiencies in the servicing data or otherwise to enable
the
Trustee to master service the Mortgage Loans properly and
effectively.
“Maximum
Cap Rate”: For any Distribution Date with respect to the Class A Certificates
and the Mezzanine Certificates, a per annum rate equal to the sum of (i) the
product of (x) the weighted average of the Adjusted Net Maximum Mortgage Rates
of the Mortgage Loans, weighted based on their outstanding Stated Principal
Balances as of the first day of the calendar month preceding the month in which
the Distribution Date occurs and (y) a fraction, the numerator of which is
30
and the denominator of which is the actual number of days elapsed in the related
Accrual Period and (ii) an amount, expressed as a percentage, equal to a
fraction, the numerator of which is equal to the related Net Swap Payment made
by the related Swap Provider and the denominator of which is equal to the
aggregate Stated Principal Balance of the Mortgage Loans, multiplied by 12
minus
(a) an amount, expressed as a percentage, equal to the product of (i) the
related Net Swap Payment, if any, paid by the Trust for such Distribution Date
divided by the aggregate Stated Principal Balance of the Mortgage Loans and
(ii)
12 and (b) an amount, expressed as a percentage, equal to the product of (i)
a
Swap Termination Payment, if any, due from the Trust (other than any Swap
Termination Payment resulting from a Swap Provider Trigger Event) for such
Distribution Date, divided by the aggregate Stated Principal Balance of the
Mortgage Loans and (ii) 12.
“Maximum
II-LTZZ Uncertificated Interest Deferral Amount”: With respect to any
Distribution Date, the excess of (i) accrued interest at the REMIC II Remittance
Rate applicable to REMIC II Regular Interest II-LTZZ for such Distribution
Date
on a balance equal to the Uncertificated Balance of REMIC II Regular Interest
II-LTZZ minus the REMIC II Overcollateralization Amount, in each case for such
Distribution Date, over (ii) Uncertificated Interest on REMIC II Regular
Interest II-LTA1, REMIC II Regular Interest II-LTA2, REMIC II Regular Interest
II-LTA3, REMIC II Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1,
REMIC II Regular Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC
II
Regular Interest II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular
Interest II-LTM6, REMIC II Regular Interest II-LTM7, REMIC II Regular Interest
II-LTM8, REMIC II Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10,
REMIC II Regular Interest II-LTM11 for such Distribution Date, with the rate
on
each such REMIC II Regular Interest subject to a cap equal to the lesser of
(a) One-Month LIBOR plus the related Certificate Margin and (b) the Net WAC
Rate; provided, however, each cap shall be multiplied by a fraction, the
numerator of which is the actual number of days elapsed in the related Accrual
Period and the denominator of which is 30.
“Maximum
Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the
percentage set forth in the related Mortgage Note as the maximum Mortgage Rate
thereunder.
“MERS”:
Mortgage Electronic Registration Systems, Inc., a corporation organized and
existing under the laws of the State of Delaware, or any successor
thereto.
“MERS®
System”: The system of recording transfers of Mortgages electronically
maintained by MERS.
“Mezzanine
Certificate”: Any Class M-1 Certificate, Class M-2 Certificate, Class M-3
Certificate, Class M-4 Certificate, Class M-5 Certificate, Class M-6
Certificate, Class M-7 Certificate, Class M-8 Certificate, Class M-9
Certificate, Class M-10 Certificate or Class M-11 Certificate.
“MIN”:
The Mortgage Identification Number for Mortgage Loans registered with MERS
on
the MERS® System.
“Minimum
Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the
percentage set forth in the related Mortgage Note as the minimum Mortgage Rate
thereunder.
“MOM
Loan”: With respect to any Mortgage Loan, MERS acting as the mortgagee of such
Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and
its successors and assigns, at the origination thereof.
“Monthly
Interest Distributable Amount”: With respect to the Class A Certificates, the
Mezzanine Certificates and the Class CE Certificates and any Distribution Date,
the amount of interest accrued during the related Accrual Period at the related
Pass-Through Rate on the Certificate Principal Balance (or Notional Amount
in
the case of the Class CE Certificates) of such Class immediately prior to such
Distribution Date, reduced (to not less than zero) by any Prepayment Interest
Shortfalls (to the extent not covered by payments made by the related Servicer
or the Master Servicer) and Relief Act Interest Shortfalls (allocated to each
such Certificate based on its respective entitlements to interest irrespective
of any Prepayment Interest Shortfalls and Relief Act Interest Shortfalls for
such Distribution Date).
“Monthly
Payment”: With respect to any Mortgage Loan, the scheduled monthly payment of
principal and interest on such Mortgage Loan which is payable by the related
Mortgagor from time to time under the related Mortgage Note, determined: (a)
after giving effect to (i) any Deficient Valuation and/or Debt Service Reduction
with respect to such Mortgage Loan and (ii) any reduction in the amount of
interest collectible from the related Mortgagor pursuant to the Relief Act;
(b)
without giving effect to any extension granted or agreed to by the related
Servicer pursuant to Section 3.07 and (c) on the assumption that all other
amounts, if any, due under such Mortgage Loan are paid when due.
“Monthly
Statement”: The statement prepared by the Trust Administrator pursuant to
Section 4.02.
“Moody’s”:
▇▇▇▇▇’▇ Investors Service, Inc. or its successor in interest.
“Mortgage”:
The mortgage, deed of trust or other instrument creating a first or second
lien
on, or first or second priority security interest in, a Mortgaged Property
securing a Mortgage Note.
“Mortgage
File”: The mortgage documents listed in Section 2.01 pertaining to a
particular Mortgage Loan and any additional documents required to be added
to
the Mortgage File pursuant to this Agreement.
“Mortgage
Loan”: Any Adjustable-Rate Mortgage Loan or Fixed-Rate Mortgage Loan transferred
and assigned to the Trustee and delivered to the Trustee pursuant to Section
2.01 or Section 2.03(b) of this Agreement as held from time to time as a part
of
the Trust, the Mortgage Loans so held being identified in the Mortgage Loan
Schedule.
“Mortgage
Loan Schedule”: As of any date, the list of Mortgage Loans included in REMIC I
on such date, attached hereto as Schedule 1. The Mortgage Loan Schedule shall
set forth the following information with respect to each Mortgage
Loan:
(i) the
Mortgage Loan identifying number;
(ii) [reserved];
(iii) the
state
and zip code of the Mortgaged Property;
(iv) a
code
indicating whether the Mortgaged Property was represented by the borrower,
at
the time of origination, as being owner-occupied;
(v) the
type
of Residential Dwelling constituting the Mortgaged Property;
(vi) the
original months to maturity;
(vii) the
stated remaining months to maturity from the Cut-off Date based on the original
amortization schedule;
(viii) the
Loan-to-Value Ratio at origination;
(ix) the
Mortgage Rate in effect immediately following the Cut-off Date;
(x) the
date
on which the first Monthly Payment was due on the Mortgage Loan;
(xi) the
stated maturity date;
(xii) the
amount of the Monthly Payment at origination;
(xiii) the
amount of the Monthly Payment due on the first Due Date after the Cut-off
Date;
(xiv) the
last
Due Date on which a Monthly Payment was actually applied to the unpaid Stated
Principal Balance;
(xv) the
original principal amount of the Mortgage Loan;
(xvi) the
Stated Principal Balance of the Mortgage Loan as of the close of business on
the
Cut-off Date;
(xvii) a
code
indicating the purpose of the Mortgage Loan (i.e.,
purchase financing, rate/term refinancing, cash-out refinancing);
(xviii) the
Mortgage Rate at origination;
(xix) a
code
indicating the documentation program (i.e.,
full
documentation, limited documentation, stated income documentation);
(xx) the
risk
grade assigned by the related Originator;
(xxi) the
Value
of the Mortgaged Property;
(xxii) the
sale
price of the Mortgaged Property, if applicable;
(xxiii) the
actual unpaid principal balance of the Mortgage Loan as of the Cut-off
Date;
(xxiv) the
type
and term of the related Prepayment Charge;
(xxv) the
rounding code;
(xxvi) the
program code;
(xxvii) a
code
indicating the lien priority for Mortgage Loans;
(xxviii)
with
respect to each Adjustable Rate Mortgage Loan, the Minimum Mortgage Rate, the
Maximum Mortgage Rate, the Gross Margin, the next Adjustment Date and the
Periodic Rate Cap;
(xxix) the
credit score (“FICO”) of such Mortgage Loan; and
(xxx) the
total
amount of points and fees charged such Mortgage Loan.
The
Mortgage Loan Schedule shall set forth the following information with respect
to
the Mortgage Loans in the aggregate as of the Cut-off Date: (1) the number
of
Mortgage Loans (separately identifying the number of Fixed-Rate Mortgage Loans
and the number of Adjustable-Rate Mortgage Loans); (2) the current Stated
Principal Balance of the Mortgage Loans; (3) the weighted average Mortgage
Rate
of the Mortgage Loans and (4) the weighted average maturity of the Mortgage
Loans. The Mortgage Loan Schedule shall be amended from time to time by the
Depositor in accordance with the provisions of this Agreement. With respect
to
any Qualified Substitute Mortgage Loan, the Cut-off Date shall refer to the
related Cut-off Date for such Mortgage Loan, determined in accordance with
the
definition of Cut-off Date herein.
“Mortgage
Note”: The original executed note or other evidence of the indebtedness of a
Mortgagor under a Mortgage Loan.
“Mortgage
Pool”: The pool of Mortgage Loans, identified on the Mortgage Loan Schedule and
existing from time to time thereafter, and any REO Properties acquired in
respect thereof.
“Mortgage
Rate”: With respect to each Mortgage Loan, the annual rate at which interest
accrues on such Mortgage Loan from time to time in accordance with the
provisions of the related Mortgage Note, which rate with respect to the
Adjustable-Rate Mortgage Loans, (A) as of any date of determination until the
first Adjustment Date following the Cut-off Date shall be the rate set forth
in
the Mortgage Loan Schedule as the Mortgage Rate in effect immediately following
the Cut-off Date and (B) as of any date of determination thereafter shall be
the
rate as adjusted on the most recent Adjustment Date equal to the sum, rounded
to
the nearest or next highest 0.125% as provided in the Mortgage Note, of the
Index, as most recently available as of a date prior to the Adjustment Date
as
set forth in the related Mortgage Note, plus the related Gross Margin; provided
that the Mortgage Rate on such Adjustable-Rate Mortgage Loan on any Adjustment
Date shall never be more than the lesser of (i) the sum of the Mortgage Rate
in
effect immediately prior to the Adjustment Date plus the related Periodic Rate
Cap, if any, and (ii) the related Maximum Mortgage Rate, and shall never be
less
than the greater of (i) the Mortgage Rate in effect immediately prior to the
Adjustment Date less the Periodic Rate Cap, if any, and (ii) the related Minimum
Mortgage Rate. With respect to each Mortgage Loan that becomes an REO Property,
as of any date of determination, the annual rate determined in accordance with
the immediately preceding sentence as of the date such Mortgage Loan became
an
REO Property.
“Mortgaged
Property”: The underlying property securing a Mortgage Loan, including any REO
Property, consisting of an Estate in Real Property improved by a Residential
Dwelling.
“Mortgagor”:
The obligor on a Mortgage Note.
“Net
Liquidation Proceeds”: With respect to any Liquidated Mortgage Loan or any other
disposition of the related Mortgaged Property (including REO Property) the
related Liquidation Proceeds and Insurance Proceeds net of Advances, Servicing
Advances, Servicing Fees and any other accrued and unpaid servicing fees
received and retained in connection with the liquidation of such Mortgage Loan
or related Mortgaged Property.
“Net
Monthly Excess Cashflow”: With respect to each Distribution Date, the sum of (a)
any Overcollateralization Release Amount for such Distribution Date and (b)
the
excess of (x) Available Funds for such Distribution Date over (y) the sum for
such Distribution Date of (A) the Monthly Interest Distributable Amounts for
the
Class A Certificates and the Mezzanine Certificates, (B) the Unpaid Interest
Shortfall Amounts for the Class A Certificates and (C) the Principal Remittance
Amount.
“Net
Mortgage Rate”: With respect to any Mortgage Loan (or the related REO Property)
as of any date of determination, a per annum rate of interest equal to the
then
applicable Mortgage Rate for such Mortgage Loan minus the Servicing Fee Rate
and
the Master Servicing Fee Rate.
“Net
Swap
Payment”: In the case of payments made by the Trust, the excess, if any, of (x)
the related Fixed Swap Payment over (y) the related Floating Swap Payment and
in
the case of payments made by either Swap Provider, the excess, if any, of (x)
the related Floating Swap Payment over (y) the related Fixed Swap Payment.
In
each case, the Net Swap Payment shall not be less than zero.
“Net
WAC
Rate”: For any Distribution Date with respect to the Class A Certificates and
the Mezzanine Certificates, a per annum rate equal to the product of (a)(i)
the
weighted average of the Adjusted Net Mortgage Rates of the Mortgage Loans,
weighted based on their outstanding Stated Principal Balances as of the first
day of the calendar month preceding the month in which the Distribution Date
occurs minus
(ii) an amount, expressed as a percentage, equal to the product of (x) each
Net
Swap Payment, if any, paid by the Trust for such Distribution Date divided
by
the aggregate Stated Principal Balance of the Mortgage Loans as of the first
day
of the calendar month preceding the month in which the Distribution Date occurs
and (y) 12 and (iii) an amount, expressed as a percentage, equal to the product
of (x) a Swap Termination Payment, if any, due from the Trust (other than any
Swap Termination Payment resulting from a Swap Provider Trigger Event) for
such
Distribution Date divided by the aggregate Stated Principal Balance of the
Mortgage Loans as of the first day of the calendar month preceding the month
in
which the Distribution Date occurs and (y) 12
and (b)
a fraction, the numerator of which is 30 and the denominator of which is the
actual number of days elapsed in the related Accrual Period. For federal income
tax purposes, for any Distribution Date with respect to the REMIC III Regular
Interests the ownership of which is represented by the Regular Certificates
(other than the Class CE Certificates or Class P Certificates), the equivalent
of the foregoing shall be expressed as the product of (a) weighted average
of
the REMIC II Remittance Rate on the REMIC II Regular Interests (other than
REMIC
II Regular Interest II-LTIO-1 and REMIC II Regular Interest II-LTIO-2), weighted
on the basis of the Uncertificated Balance of each such REMIC II Regular
Interest and (b) a fraction, the numerator of which is 30 and the denominator
of
which is the actual number of days elapsed in the related Accrual
Period.
“Net
WAC
Rate Carryover Amount”: With respect to the Class A Certificates and the
Mezzanine Certificates and any Distribution Date, the sum of (A) the positive
excess of (i) the amount of interest accrued on such Class of Certificates
on
such Distribution Date calculated at the related Formula Rate, over (ii) the
amount of interest accrued on such Class of Certificates at the Net WAC Rate
for
such Distribution Date and (B) the Net WAC Rate Carryover Amount for the
previous Distribution Date not previously paid, together with interest thereon
at a rate equal to the Formula Rate for such Class of Certificates for such
Distribution Date and for such Accrual Period.
“Net
WAC
Rate Carryover Reserve Account”: The account established and maintained pursuant
to Section 4.07.
“New
Lease”: Any lease of REO Property entered into on behalf of REMIC I, including
any lease renewed or extended on behalf of REMIC I, if REMIC I has the right
to
renegotiate the terms of such lease.
“NIMS
Insurer”: Any insurer that is guaranteeing certain payments under notes secured
by collateral which includes all or a portion of the Class CE Certificates,
the
Class P Certificates, the Class R Certificates and/or the Class R-X
Certificates.
“Nonrecoverable
Advance”: Any Advance previously made or proposed to be made in respect of a
Mortgage Loan or REO Property that, in the good faith business judgment of
the
related Servicer (or, with respect to JPMorgan, in accordance with the JPMorgan
Servicing Standard) or the Master Servicer, as applicable, will not or, in
the
case of a proposed Advance, would not be ultimately recoverable from related
Late Collections, Insurance Proceeds or Liquidation Proceeds on such Mortgage
Loan or REO Property as provided herein.
“Nonrecoverable
Servicing Advance”: Any Servicing Advance previously made or proposed to be made
in respect of a Mortgage Loan or REO Property that, in the good faith business
judgment of the related Servicer (or, with respect to JPMorgan, in accordance
with the JPMorgan Servicing Standard), will not or, in the case of a proposed
Servicing Advance, would not be ultimately recoverable from related Late
Collections, Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan
or
REO Property as provided herein.
“Non-United
States Person”: Any Person other than a United States Person.
“Notional
Amount”: With respect to the Class CE Interest and any Distribution Date, the
aggregate Uncertificated Balance of the REMIC II Regular Interests (other than
REMIC II Regular Interest II-LTP) for such Distribution Date.
“Officer’s
Certificate”: A certificate signed by the Chairman of the Board, the Vice
Chairman of the Board, the President or a vice president (however denominated),
and by the Treasurer, the Secretary, or one of the assistant treasurers or
assistant secretaries of a Servicer, the Master Servicer, an Originator, the
Seller or the Depositor, as applicable.
“One-Month
LIBOR”: With respect to the Class A Certificates, the Mezzanine Certificates,
REMIC II Regular Interest II-LTA1, REMIC II Regular Interest II-LTA2,
REMIC
II
Regular Interest II-LTA3,
REMIC
II Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC II Regular
Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular Interest
II-LTM4, REMIC II Regular Interest II-LTM5, REMIC
II
Regular Interest II-LTM6,
REMIC
II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8, REMIC II Regular
Interest II-LTM9, REMIC II Regular Interest II-LTM10 and REMIC II Regular
Interest II-LTM11 and any Accrual Period therefor, the rate determined by the
Trust Administrator on the related Interest Determination Date on the basis
of
the offered rate for one-month U.S. dollar deposits, as such rate appears on
Telerate Page 3750 as of 11:00 a.m. (London time) on such Interest Determination
Date; provided that if such rate does not appear on Telerate Page 3750, the
rate
for such date will be determined on the basis of the offered rates of the
Reference Banks for one-month U.S. dollar deposits, as of 11:00 a.m. (London
time) on such Interest Determination Date. In such event, the Trust
Administrator will request the principal London office of each of the Reference
Banks to provide a quotation of its rate. If on such Interest Determination
Date, two or more Reference Banks provide such offered quotations, One-Month
LIBOR for the related Accrual Period shall be the arithmetic mean of such
offered quotations (rounded upwards if necessary to the nearest whole multiple
of 1/16%). If on such Interest Determination Date, fewer than two Reference
Banks provide such offered quotations, One-Month LIBOR for the related Accrual
Period shall be the higher of (i) One-Month LIBOR as determined on the previous
Interest Determination Date and (ii) the Reserve Interest Rate. Notwithstanding
the foregoing, if, under the priorities described above, One-Month LIBOR for
an
Interest Determination Date would be based on One-Month LIBOR for the previous
Interest Determination Date for the third consecutive Interest Determination
Date, the Trust Administrator shall select, after consultation with the NIMS
Insurer, an alternative comparable index (over which the Trust Administrator
has
no control), used for determining one-month Eurodollar lending rates that is
calculated and published (or otherwise made available) by an independent
party.
“Opinion
of Counsel”: A written opinion of counsel, who may, without limitation, be
salaried counsel for the Depositor, the Seller, either Servicer or the Master
Servicer, acceptable to the Trustee, if such opinion is delivered to the
Trustee, or acceptable to the Trust Administrator, if such opinion is delivered
to the Trust Administrator, except that any opinion of counsel relating to
(a)
the qualification of any Trust REMIC as a REMIC or (b) compliance with the
REMIC
Provisions must be an opinion of Independent counsel.
“Original
Mortgage Loan”: Any of the Mortgage Loans included in REMIC I as of the Closing
Date.
“Originator”:
Fremont Investment & Loan, Novelle Financial Services, Inc., First Street
Financial, Inc., DreamHouse Mortgage Corp., Equity Financial Inc. and National
City Mortgage Co.
“Originator
Prepayment Charge Payment Amount”: The amounts payable by the Originator in
respect of any waived Prepayment Charges pursuant to Section 3.01.
“Overcollateralization
Deficiency Amount”: With respect to any Distribution Date, the amount, if any,
by which the Overcollateralization Target Amount exceeds the Overcollateralized
Amount on such Distribution Date (after giving effect to distributions in
respect of the Principal Remittance Amount on such Distribution Date).
“Overcollateralization
Release Amount”: With respect to any Distribution Date, the lesser of (x) the
Principal Remittance Amount for such Distribution Date and (y) the Excess
Overcollateralized Amount.
“Overcollateralization
Target Amount”: With respect to any Distribution Date, (i) 2.75%
of the
Cut-off Date Principal Balance of the Mortgage Loans, (ii) on or after the
Stepdown Date provided that a Trigger Event is not in effect, the greater of
(x)
5.50% of the aggregate Stated Principal Balance of the Mortgage Loans as of
the
last day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (y) an amount equal to approximately 0.50% of the aggregate Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date, or (iii) on
or
after the Stepdown Date if a Trigger Event is in effect, the
Overcollateralization Target Amount for the immediately preceding Distribution
Date. On and after any Distribution Date following the reduction of the
aggregate Certificate Principal Balance of the Class A Certificates and the
Mezzanine Certificates to zero, the Overcollateralization Target Amount shall
be
zero.
“Overcollateralized
Amount”: For any Distribution Date, the amount equal to (i) the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period) as
of
the related Determination Date minus (ii) the aggregate Certificate Principal
Balance of the Class A Certificates, the Mezzanine Certificates and the Class
P
Certificates as of such Distribution Date after giving effect to distributions
to be made on such Distribution Date.
“Ownership
Interest”: As to any Certificate, any ownership or security interest in such
Certificate, including any interest in such Certificate as the Holder thereof
and any other interest therein, whether direct or indirect, legal or beneficial,
as owner or as pledgee.
“Pass-Through
Rate”: With respect to the Class A Certificates and the Mezzanine Certificates
and any Distribution Date, a rate per annum equal to the lesser of (i) the
related Formula Rate for such Distribution Date and (ii) the Net WAC Rate for
such Distribution Date.
With
respect to the Class CE Interest and any Distribution Date, a rate per annum
equal to the percentage equivalent of a fraction, the numerator of which is
(x)
the sum of (i) 100% of the interest on REMIC II Regular Interest II-LTP and
(ii)
interest on the Uncertificated Balance of each REMIC II Regular Interest listed
in clause (y) at a rate equal to the related REMIC II Remittance Rate minus
the
Marker Rate and the denominator of which is (y) the aggregate Uncertificated
Balance of REMIC II Regular Interests II-▇▇▇▇, ▇▇-▇▇▇▇, ▇▇-▇▇▇▇, ▇▇-▇▇▇▇,
▇▇-▇▇▇▇, II-LTM1,
II-LTM2, II-LTM3, II-LTM4, II-LTM5, II-LTM6, II-LTM7, II-LTM8, II-LTM9,
II-LTM10, II-LTM11 and II-LTZZ.
With
respect to the Class CE Certificates, 100% of the interest distributable to
the
Class CE Interest, expressed as a per annum rate.
With
respect to the Class SWAP-IO-1 Interest, the Class SWAP-IO-1 Interest shall
not
have a Pass-Through Rate, but interest for such Regular Interest and each
Distribution Date shall be an amount equal to 100% of the amounts distributable
to REMIC II Regular Interest II-LTIO-1 for such Distribution Date.
With
respect to the Class SWAP-IO-2 Interest, the Class SWAP-IO-2 Interest shall
not
have a Pass-Through Rate, but interest for such Regular Interest and each
Distribution Date shall be an amount equal to 100% of the amounts distributable
to REMIC II Regular Interest II-LTIO-2 for such Distribution Date.
“Percentage
Interest”: With respect to any Class of Certificates (other than the Residual
Certificates), the undivided percentage ownership in such Class evidenced by
such Certificate, expressed as a percentage, the numerator of which is the
initial Certificate Principal Balance or Notional Amount represented by such
Certificate and the denominator of which is the aggregate initial Certificate
Principal Balance or Notional Amount of all of the Certificates of such Class.
The Class A Certificates and the Mezzanine Certificates are issuable only in
minimum Percentage Interests corresponding to minimum initial Certificate
Principal Balances of $25,000 and integral multiples of $1.00 in excess thereof.
The Class P Certificates are issuable only in Percentage Interests corresponding
to initial Certificate Principal Balances of $20 and integral multiples thereof.
The Class CE Certificates are issuable only in minimum Percentage Interests
corresponding to minimum initial Certificate Principal Balances of $10,000
and
integral multiples of $1.00 in excess thereof; provided, however, that a single
Certificate of each such Class of Certificates may be issued having a Percentage
Interest corresponding to the remainder of the aggregate initial Certificate
Principal Balance or Notional Amount of such Class or to an otherwise authorized
denomination for such Class plus such remainder. With respect to any Residual
Certificate, the undivided percentage ownership in such Class evidenced by
such
Certificate, as set forth on the face of such Certificate. The Residual
Certificates are issuable in Percentage Interests of 20% and multiples
thereof.
“Periodic
Rate Cap”: With respect to each Adjustable-Rate Mortgage Loan and any Adjustment
Date therefor, the fixed percentage set forth in the related Mortgage Note,
which is the maximum amount by which the Mortgage Rate for such Mortgage Loan
may increase or decrease (without regard to the Maximum Mortgage Rate or the
Minimum Mortgage Rate) on such Adjustment Date (other than the first Adjustment
Date) from the Mortgage Rate in effect immediately prior to such Adjustment
Date.
“Permitted
Investments”: Any one or more of the following obligations or securities
acquired at a purchase price of not greater than par, regardless of whether
issued or managed by the Depositor, the Servicers, the Master Servicer, the
NIMS
Insurer, the Trustee, the Trust Administrator or any of their respective
Affiliates or for which an Affiliate of the NIMS Insurer, the Trustee or the
Trust Administrator serves as an advisor:
(i) direct
obligations of, or obligations fully guaranteed as to timely payment of
principal and interest by, the United States or any agency or instrumentality
thereof, provided such obligations are backed by the full faith and credit
of
the United States;
(ii) (A)
demand and time deposits in, certificates of deposit of, bankers’ acceptances
issued by or federal funds sold by any depository institution or trust company
(including the Trustee or its agent acting in their respective commercial
capacities) incorporated under the laws of the United States of America or
any
state thereof and subject to supervision and examination by federal and/or
state
authorities, so long as, at the time of such investment or contractual
commitment providing for such investment, such depository institution or trust
company (or, if the only Rating Agency is S&P, in the case of the principal
depository institution in a depository institution holding company, debt
obligations of the depository institution holding company) or its ultimate
parent has a short-term uninsured debt rating in the highest available rating
category of ▇▇▇▇▇’▇ and S&P and provided that each such investment has an
original maturity of no more than 365 days; and provided further that, if the
only Rating Agency is S&P and if the depository or trust company is a
principal subsidiary of a bank holding company and the debt obligations of
such
subsidiary are not separately rated, the applicable rating shall be that of
the
bank holding company; and, provided further that, if the original maturity
of
such short-term obligations of a domestic branch of a foreign depository
institution or trust company shall exceed 30 days, the short-term rating of
such
institution shall be A-1+ in the case of S&P if S&P is the Rating
Agency; and (B) any other demand or time deposit or deposit which is fully
insured by the FDIC;
(iii) repurchase
obligations with a term not to exceed 30 days with respect to any security
described in clause (i) above and entered into with a depository institution
or
trust company (acting as principal) rated A-1+ or higher by S&P and A2 or
higher by ▇▇▇▇▇’▇, provided, however, that collateral transferred pursuant to
such repurchase obligation must be of the type described in clause (i) above
and
must (A) be valued daily at current market prices plus accrued interest, (B)
pursuant to such valuation, be equal, at all times, to 105% of the cash
transferred by the Trustee in exchange for such collateral and (C) be delivered
to the Trustee or, if the Trustee is supplying the collateral, an agent for
the
Trustee, in such a manner as to accomplish perfection of a security interest
in
the collateral by possession of certificated securities;
(iv) securities
bearing interest or sold at a discount that are issued by any corporation
incorporated under the laws of the United States of America or any State thereof
and that are rated by a Rating Agency in its highest long-term unsecured rating
category at the time of such investment or contractual commitment providing
for
such investment;
(v) commercial
paper (including both non-interest-bearing discount obligations and
interest-bearing obligations payable on demand or on a specified date not more
than 30 days after the date of acquisition thereof) that is rated by a Rating
Agency in its highest short-term unsecured debt rating available at the time
of
such investment;
(vi) units
of
money market funds, including those managed or advised by the Trust
Administrator or its Affiliates, that have been rated “AAA” by S&P and “Aaa”
by ▇▇▇▇▇’▇; and
(vii) if
previously confirmed in writing to the Trustee and the Trust Administrator
and
consented to by the NIMS Insurer, any other demand, money market or time
deposit, or any other obligation, security or investment, as may be acceptable
to the Rating Agencies in writing as a permitted investment of funds backing
securities having ratings equivalent to its highest initial rating of the Class
A Certificates;
provided,
that no instrument described hereunder shall evidence either the right to
receive (a) only interest with respect to the obligations underlying such
instrument or (b) both principal and interest payments derived from obligations
underlying such instrument and the interest and principal payments with respect
to such instrument provide a yield to maturity at par greater than 120% of
the
yield to maturity at par of the underlying obligations.
“Permitted
Transferee”: Any Transferee of a Residual Certificate other than a Disqualified
Organization or Non-United States Person.
“Person”:
Any individual, corporation, partnership, limited liability company, joint
venture, association, joint-stock company, trust, unincorporated organization
or
government or any agency or political subdivision thereof.
“Plan”:
Any employee benefit plan or certain other retirement plans and arrangements,
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 are subject
to
ERISA or Section 4975 of the Code.
“Prepayment
Assumption”: As defined in the Prospectus Supplement.
“Prepayment
Charge”: With respect to any Mortgage and Prepayment Period, any prepayment
premium, fee, penalty or charge payable by a Mortgagor in connection with any
full or partial Principal Prepayment on a Mortgage Loan pursuant to the terms
of
the related Mortgage Note and any Originator Prepayment Charge Payment Amount
(other than any Servicer Prepayment Charge Payment Amount).
“Prepayment
Charge Schedule”: As of any date, the list of Prepayment Charges on the Mortgage
Loans provided by the Depositor included in REMIC I on such date, attached
hereto as Schedule 2 (including the Prepayment Charge Summary attached thereto).
The Prepayment Charge Schedule shall set forth the following information with
respect to each related Mortgage Loan:
(i) the
Mortgage Loan identifying number;
(ii) a
code
indicating the type of Prepayment Charge;
(iii) the
state
of origination of the related Mortgage Loan;
(iv) the
date
on which the first monthly payment was due on the related Mortgage
Loan;
(v) the
term
of the related Mortgage Loan; and
(vi) the
Stated Principal Balance of the related Mortgage Loan as of the Cut-off
Date.
The
Prepayment Charge Schedule shall be amended from time to time by the Depositor
in accordance with the provisions of this Agreement and a copy of such amended
Prepayment Charge Schedule shall be furnished by the Depositor to the NIMS
Insurer and the Servicers.
“Prepayment
Interest Excess”: With respect to any Distribution Date, for each Mortgage Loan
that was the subject of a Principal Prepayment in full during the portion of
the
related Prepayment Period commencing on the first day of the calendar month
in
which the Distribution Date occurs and ending on the last day of the related
Prepayment Period, an amount equal to interest (to the extent received) at
the
applicable Net Mortgage Rate on the amount of such Principal Prepayment for
the
number of days commencing on the first day of the calendar month in which such
Distribution Date occurs and ending on the date on which such prepayment is
so
applied.
“Prepayment
Interest Shortfall”: With respect to any Distribution Date, for each Mortgage
Loan that was the subject of a voluntary Principal Prepayment during the portion
of the related Prepayment Period commencing on the first day of the related
Prepayment Period and ending on the last day of the calendar month preceding
the
month in which such Distribution Date occurs, an amount equal to interest on
the
Mortgage Loan at the applicable Net Mortgage Rate on the amount of such
Principal Prepayment for the number of days commencing on the date such
Principal Prepayment was applied and ending on the last day of the calendar
month preceding the month in which such Distribution Date occurs.
“Prepayment
Period”: With respect to each Distribution
Date and any Principal Prepayment in full, the
period commencing on the 16th day of the calendar month preceding the related
Distribution Date (and in the case of the first Distribution Date, commencing
on
February 1, 2006) and ending on the 15th day of the calendar month in which
such
Distribution Date occurs and for any Distribution Date and any Principal
Prepayment in part, the calendar month preceding the calendar month in which
such Distribution Date occurs.
“Principal
Balance”: As to any Mortgage Loan other than a Liquidated Mortgage Loan, and any
day, the related Cut-off Date Principal Balance, minus all collections credited
against the Cut-off Date Principal Balance of any such Mortgage Loan. For
purposes of this definition, a Liquidated Mortgage Loan shall be deemed to
have
a Principal Balance equal to the Principal Balance of the related Mortgage
Loan
as of the final recovery of related Liquidation Proceeds and a Principal Balance
of zero thereafter. As to any REO Property and any day, the Principal Balance
of
the related Mortgage Loan immediately prior to such Mortgage Loan becoming
REO
Property minus any REO Principal Amortization received with respect thereto
on
or prior to such day.
“Principal
Distribution Amount”: For any Distribution Date will be the sum of (i) the
principal portion of all scheduled monthly payments on the Mortgage Loans due
during the related Due Period, whether or not received on or prior to the
related Determination Date; (ii) the principal portion of all proceeds received
in respect of the repurchase of a Mortgage Loan (or, in the case of a
substitution, certain amounts representing a principal adjustment) during the
related Prepayment Period; (iii) the principal portion of all related Net
Liquidation Proceeds, Insurance Proceeds, Subsequent Recoveries and all full
and
partial principal prepayments, received during the related Prepayment Period,
to
the extent applied as recoveries of principal on the Mortgage Loans and (iv)
any
Extra Principal Distribution Amount for such Distribution Date minus (v) any
Overcollateralization Release Amount for such Distribution Date. In no event
will the Principal Distribution Amount with respect to any Distribution Date
be
(x) less than zero or (y) greater than the then outstanding aggregate
Certificate Principal Balance of the Class A and Mezzanine Certificates.
“Principal
Prepayment”: Any payment of principal made by the Mortgagor on a Mortgage Loan
which is received in advance of its scheduled Due Date and which is not
accompanied by an amount of interest representing the full amount of scheduled
interest due on any Due Date in any month or months subsequent to the month
of
prepayment.
“Principal
Remittance Amount”: With respect to any Distribution Date, the sum of the
amounts set forth in clauses (i) through (iii) of the definition of Principal
Distribution Amount.
“Prospectus
Supplement”: That certain Prospectus Supplement dated February 22, 2006 relating
to the public offering of the Class A Certificates and the Mezzanine
Certificates.
“Purchase
Price”: With respect to any Mortgage Loan or REO Property to be purchased
pursuant to or as contemplated by Section 2.03, Section 3.16(c) or
Section 9.01, and as confirmed by an
Officer’s Certificate from the related Servicer to
the
Trustee an amount equal to the sum of (i) 100% of the Stated Principal Balance
thereof as of the date of purchase (or such other price as provided in
Section 9.01), (ii) in the case of (x) a Mortgage Loan, accrued interest on
such Stated Principal Balance at the applicable Net Mortgage Rate in effect
from
time to time from the Due Date as to which interest was last covered by a
payment by the Mortgagor or an Advance, which payment or Advance had as of
the
date of purchase been distributed pursuant to Section 4.01, through the end
of the calendar month in which the purchase is to be effected and (y) an REO
Property, the sum of (1) accrued interest on such Stated Principal Balance
at
the applicable Net Mortgage Rate in effect from time to time from the Due Date
as to which interest was last covered by a payment by the Mortgagor or an
Advance by the related Servicer through the end of the calendar month
immediately preceding the calendar month in which such REO Property was
acquired, plus (2) REO Imputed Interest for such REO Property for each calendar
month commencing with the calendar month in which such REO Property was acquired
and ending with the calendar month in which such purchase is to be effected,
net
of the total of all net rental income, Insurance Proceeds, Liquidation Proceeds
and Advances that as of the date of purchase had been distributed as or to
cover
REO Imputed Interest pursuant to Section 4.01, (iii) any unreimbursed
Advances and Servicing Advances (including Nonrecoverable Advances and
Nonrecoverable Servicing Advances) and any unpaid Servicing Fees and Master
Servicing Fee allocable to such Mortgage Loan or REO Property, (iv) any amounts
previously withdrawn from the Collection Account pursuant to Section 3.11(a)(ix)
and Section 3.16(b) or the Distribution Account in respect of such Mortgage
Loan
or REO Property, and (v) in the case of a Mortgage Loan required to be purchased
pursuant to Section 2.03, expenses reasonably incurred or to be incurred by
the related Servicer, the Master Servicer, the NIMS Insurer, the Trust
Administrator or the Trustee in respect of the breach or defect giving rise
to
the purchase obligation including any costs and damages incurred by the Trust
in
connection with any violation with respect to such loan of any predatory or
abusive lending law. With respect to each Originator and any Mortgage Loan
or
REO Property to be purchased pursuant to or as contemplated by Section 2.03
or 10.01, and as confirmed by an Officer’s Certificate from the related Servicer
to the Trust Administrator and Trustee, an amount equal to the amount set forth
pursuant to the terms of the related Master Agreement.
“Qualified
Substitute Mortgage Loan”: A mortgage loan substituted for a Deleted Mortgage
Loan by the Seller pursuant to the terms of this Agreement which must, on the
date of such substitution, (i) have an outstanding Stated Principal Balance,
after application of all scheduled payments of principal and interest due during
or prior to the month of substitution, not in excess of, and not more than
5%
less than, the Stated Principal Balance of the Deleted Mortgage Loan as of
the
Due Date in the calendar month during which the substitution occurs, (ii) have
a
Mortgage Rate not less than (and not more than one percentage point in excess
of) the Mortgage Rate of the Deleted Mortgage Loan, (iii) with respect to any
Adjustable-Rate Mortgage Loan, have a Maximum Mortgage Rate not less than the
Maximum Mortgage Rate of the Deleted Mortgage Loan, (iv) with respect to any
Adjustable-Rate Mortgage Loan, have a Minimum Mortgage Rate not less than the
Minimum Mortgage Rate of the Deleted Mortgage Loan, (v) with respect to any
Adjustable-Rate Mortgage Loan, have a Gross Margin equal to or greater than
the
Gross Margin of the Deleted Mortgage Loan, (vi) with respect to any
Adjustable-Rate Mortgage Loan, have a next Adjustment Date not more than two
months later than the next Adjustment Date on the Deleted Mortgage Loan, (vii)
have a remaining term to maturity not greater than (and not more than one year
less than) that of the Deleted Mortgage Loan, (viii) have the same Due Date
as
the Due Date on the Deleted Mortgage Loan, (ix) have a Loan-to-Value Ratio
as of
the date of substitution equal to or lower than the Loan-to-Value Ratio of
the
Deleted Mortgage Loan as of such date, (x) have a risk grading determined by
the
Originator at least equal to the risk grading assigned on the Deleted Mortgage
Loan, (xi) have a Prepayment Charge provision at least equal to the Prepayment
Charge provision in the Deleted Mortgage Loan, (xii) [reserved] and (xiii)
conform to each representation and warranty set forth in Section 6 of the
Mortgage Loan Purchase Agreement applicable to the Deleted Mortgage Loan. In
the
event that one or more mortgage loans are substituted for one or more Deleted
Mortgage Loans, the amounts described in clause (i) hereof shall be determined
on the basis of aggregate principal balances, the Mortgage Rates described
in
clause (ii) hereof shall be determined on the basis of weighted average Mortgage
Rates, the terms described in clause (vii) hereof shall be determined on the
basis of weighted average remaining term to maturity, the Loan-to-Value Ratios
described in clause (ix) hereof shall be satisfied as to each such mortgage
loan, the risk gradings described in clause (x) hereof shall be satisfied as
to
each such mortgage loan and, except to the extent otherwise provided in this
sentence, the representations and warranties described in clause (xiii) hereof
must be satisfied as to each Qualified Substitute Mortgage Loan or in the
aggregate, as the case may be. With respect to each Originator, a mortgage
loan
substituted for a Deleted Mortgage Loan pursuant to the terms of the related
Master Agreement which must, on the date of such substitution conform to the
terms set forth in the related Master Agreement.
“Rating
Agency” or “Rating Agencies”: ▇▇▇▇▇’▇ and S&P or their successors. If such
agencies or their successors are no longer in existence, “Rating Agencies” shall
be such nationally recognized statistical rating agencies, or other comparable
Persons, designated by the Depositor, notice of which designation shall be
given
to the Trustee and the Master Servicer.
“Realized
Loss”: With respect to any Liquidated Mortgage Loan or any Mortgage Loan charged
off by the related Servicer pursuant to this Agreement, the amount of loss
realized equal to the portion of the Stated Principal Balance remaining unpaid
after application of all Net Liquidation Proceeds in respect of such Mortgage
Loan. If the related Servicer receives Subsequent Recoveries with respect to
any
Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent such recoveries are applied to principal
distributions on any Distribution Date.
“Record
Date”: With respect to each Distribution Date and any Book-Entry Certificate,
the Business Day immediately preceding such Distribution Date. With respect
to
each Distribution Date and any other Certificates, including any Definitive
Certificates, the last Business Day of the month immediately preceding the
month
in which such Distribution Date occurs.
“Reference
Banks”: Deutsche Bank AG, Barclay’s Bank PLC, The Tokyo Mitsubishi Bank and
National Westminster Bank PLC and their successors in interest; provided,
however, that if any of the foregoing banks are not suitable to serve as a
Reference Bank, then any leading banks selected by the Trust Administrator
(after consultation with the NIMS Insurer) which are engaged in transactions
in
Eurodollar deposits in the international Eurocurrency market (i) with an
established place of business in London, (ii) not controlling, under the control
of or under common control with the Depositor or any Affiliate thereof and
(iii)
which have been designated as such by the Trust Administrator.
“Refinanced
Mortgage Loan”: A Mortgage Loan the proceeds of which were not used to purchase
the related Mortgaged Property.
“Regular
Certificate”: Any Class A Certificate, Mezzanine Certificate, Class CE
Certificate or Class P Certificate.
“Regular
Interest”: A “regular interest” in a REMIC within the meaning of
Section 860G(a)(1) of the Code.
“Regulation
AB”: Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100 - 229.1123, as such may be amended from time to time, and subject
to
such clarification and interpretation as have been provided by the Commission
in
the adopting release (Asset-Backed Securities, Securities Act Release No.
33-8518, 70 Red. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
Commission, or as may be provided by the Commission or its staff from time
to
time.
“Relevant
Servicing Criteria”: The Servicing Criteria applicable to the various parties,
as set forth on Exhibit O attached hereto. For clarification purposes, multiple
parties can have responsibility for the same Relevant Servicing
Criteria.
“Relief
Act”: The Servicemembers Civil Relief Act and any similar state
laws.
“Relief
Act Interest Shortfall”: With respect to any Distribution Date and any Mortgage
Loan, any reduction in the amount of interest collectible on such Mortgage
Loan
for the most recently ended calendar month as a result of the application of
the
Relief Act or any similar state or local law.
“REMIC”:
A “real estate mortgage investment conduit” within the meaning of
Section 860D of the Code.
“REMIC
I”: The segregated pool of assets subject hereto, constituting the primary trust
created hereby and to be administered hereunder, with respect to which a REMIC
election is to be made, consisting of: (i) such Mortgage Loans and Prepayment
Charges as from time to time are subject to this Agreement, together with the
Mortgage Files relating thereto, and together with all collections thereon
and
proceeds thereof; (ii) any REO Property, together with all collections thereon
and proceeds thereof; (iii) the Trustee’s rights with respect to the Mortgage
Loans under all insurance policies, required to be maintained pursuant to this
Agreement and any proceeds thereof; (iv) the Depositor’s rights under the
Mortgage Loan Purchase Agreement (including any security interest created
thereby); and (v) the Collection Account, the Distribution Account (other than
any amounts representing any Servicer Prepayment Charge Payment Amount
or
any
Originator Prepayment Charge Payment Amount)
and any
REO Account, and such assets that are deposited therein from time to time and
any investments thereof, together with any and all income, proceeds and payments
with respect thereto. Notwithstanding the foregoing, however, REMIC I
specifically excludes the Net WAC Rate Carryover Reserve Account, the Interest
Rate Swap Agreements, the Swap Account, the Cap Account, the Cap Contract,
the
Supplemental Interest Trust, any Servicer Prepayment Charge Payment Amounts
or
any Originator Prepayment Charge Payment Amounts, all payments and other
collections of principal and interest due on the Mortgage Loans on or before
the
Cut-off Date and all Prepayment Charges payable in connection with Principal
Prepayments made before the Cut-off Date.
“REMIC
I
Regular Interest”: Any of the separate non-certificated beneficial ownership
interests in REMIC I issued hereunder and designated as a “regular interest” in
REMIC I. Each REMIC I Regular Interest shall accrue interest at the related
REMIC I Remittance Rate in effect from time to time, and shall be entitled
to
distributions of principal, subject to the terms and conditions hereof, in
an
aggregate amount equal to its initial Uncertificated Principal Balance as set
forth in the Preliminary Statement hereto. The designations for the respective
REMIC I Regular Interests are set forth in the Preliminary Statement hereto.
“REMIC
I
Group I Regular Interest”: REMIC I Regular Interest I and REMIC I Regular
Interest I-1-A through REMIC I Regular Interest I-43-B as designated in the
Preliminary Statement hereto.
“REMIC
I
Group II Regular Interest”: REMIC I Regular Interest II-1-A through REMIC I
Regular Interest II-31-B as designated in the Preliminary Statement
hereto.
“REMIC
I
Remittance Rate”: With respect to REMIC I Regular Interest I and REMIC I Regular
Interest I-LTP, a per annum rate equal to the weighted average Adjusted Net
Mortgage Rate of the Mortgage Loans. With respect to each REMIC I Group I
Regular Interest ending with the designation “A”, a per annum rate equal to the
weighted average Adjusted Net Mortgage Rate of the Mortgage Loans multiplied
by
2, subject to a maximum rate of 9.2880%. With respect to each REMIC I Group
I
Regular Interest ending with the designation “B”, the greater of (x) a per annum
rate equal to the excess, if any, of (i) 2 multiplied by the weighted average
Net Mortgage Rate of the REMIC Group I Mortgage Loans over (ii) 9.2880% and
(y)
0.00%.
With
respect to each REMIC I Group II Regular Interest ending with the designation
“A”, a per annum rate equal to the weighted average Adjusted Net Mortgage Rate
of the Mortgage Loans multiplied by 2, subject to a maximum rate of 9.3020%.
With respect to each REMIC I Group II Regular Interest ending with the
designation “B”, the greater of (x) a per annum rate equal to the excess, if
any, of (i) 2 multiplied by the weighted average Net Mortgage Rate of the
Mortgage Loans over (ii) 9.3020% and (y) 0.00%.
“REMIC
II”: The segregated pool of assets consisting of all of the REMIC I Regular
Interests conveyed in trust to the Trustee, for the benefit of the REMIC II
Certificateholders pursuant to Section 2.07, and all amounts deposited therein,
with respect to which a separate REMIC election is to be made.
“REMIC
II
Interest Loss Allocation Amount”: With respect to any Distribution Date, an
amount (subject to adjustment based on the actual number of days elapsed in
the
respective Accrual Periods for the indicated Regular Interests for such
Distribution Date) equal to (a) the product of the aggregate Stated Principal
Balance of the Mortgage Loans and REO Properties then outstanding and (ii)
the
REMIC II Remittance Rate for REMIC II Regular Interest II-LTAA minus the Marker
Rate, divided by (b) 12.
“REMIC
II
Overcollateralized Amount”: With respect to any date of determination, (i) 1% of
the aggregate Uncertificated Balance of the REMIC II Regular Interests (other
than REMIC II Regular Interest II-LTP, REMIC II Regular Interest II-LTIO-1
and
REMIC II Regular Interest II-LTIO-2) minus (ii) the aggregate Uncertificated
Balance of REMIC II Regular Interest II-LTA1, REMIC II Regular Interest II-LTA2,
REMIC II Regular Interest II-LTA3, REMIC II Regular Interest II-LTA4, REMIC
II
Regular Interest II-LTM1, REMIC II Regular Interest II-LTM2, REMIC II Regular
Interest II-LTM3, REMIC II Regular Interest II-LTM4, REMIC II Regular Interest
II-LTM5, REMIC II Regular Interest II-LTM6, REMIC II Regular Interest II-LTM7,
REMIC II Regular Interest II-LTM8, REMIC II Regular Interest II-LTM9, REMIC
II
Regular Interest II-LTM10 and REMIC II Regular Interest II-LTM11, in each case
as of such date of determination.
“REMIC
II
Principal Loss Allocation Amount”: With respect to any Distribution Date, an
amount equal to the product of (i) the aggregate Stated Principal Balance of
the
Mortgage Loans and REO Properties then outstanding and (ii) 1 minus a fraction,
the numerator of which is two times the aggregate Uncertificated Balance of
REMIC II Regular Interest II-LTA1, REMIC II Regular Interest II-LTA2, REMIC
II
Regular Interest II-LTA3, REMIC II Regular Interest II-LTA4, REMIC II Regular
Interest II-LTM1, REMIC II Regular Interest II-LTM2, REMIC II Regular Interest
II-LTM3, REMIC II Regular Interest II-LTM4, REMIC II Regular Interest II-LTM5,
REMIC II Regular Interest II-LTM6, REMIC II Regular Interest II-LTM7, REMIC
II
Regular Interest II-LTM8, REMIC II Regular Interest II-LTM9, REMIC II Regular
Interest II-LTM10, REMIC II Regular Interest II-LTM11 and the denominator of
which is the aggregate Uncertificated Balance of REMIC II Regular Interest
II-LTA1, REMIC II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3,
REMIC II Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC
II
Regular Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular
Interest II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular Interest
II-LTM6, REMIC II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8,
REMIC II Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10, REMIC
II
Regular Interest II-LTM11 and REMIC II Regular Interest II-LTZZ.
“REMIC
II
Regular Interest”: Any of the separate non-certificated beneficial ownership
interests in REMIC II issued hereunder and designated as a “regular interest” in
REMIC II. Each REMIC II Regular Interest shall accrue interest at the related
REMIC II Remittance Rate in effect from time to time, and shall be entitled
to
distributions of principal (other than REMIC II Regular Interest II-LTIO-1
and
REMIC II Regular Interest II-LTIO-2), subject to the terms and conditions
hereof, in an aggregate amount equal to its initial Uncertificated Balance
as
set forth in the Preliminary Statement hereto. The REMIC II Regular Interests
are as follows: REMIC II Regular Interest II-LTAA, REMIC II Regular Interest
II-LTA1, REMIC II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3,
REMIC II Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC
II
Regular Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular
Interest II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular Interest
II-LTM6, REMIC II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8,
REMIC II Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10, REMIC
II
Regular Interest II-LTM11, REMIC II Regular Interest II-LTP, REMIC II Regular
Interest I-TLZZ, REMIC II Regular Interest II-LTIO-1 and REMIC II Regular
Interest II-LTIO-2. REMIC II Regular Interest II-LTP shall also be entitled
to
any Prepayment Charges received by the Trust Fund.
“REMIC
II
Remittance Rate”: With respect to REMIC II Regular Interest II-LTAA, REMIC II
Regular Interest II-LTA1, REMIC II Regular Interest II-LTA2, REMIC II Regular
Interest II-LTA3, REMIC II Regular Interest II-LTA4, REMIC II Regular Interest
II-LTM1, REMIC II Regular Interest II-LTM2, REMIC II Regular Interest II-LTM3,
REMIC II Regular Interest II-LTM4, REMIC II Regular Interest II-LTM5, REMIC
II
Regular Interest II-LTM6, REMIC II Regular Interest II-LTM7, REMIC II Regular
Interest II-LTM8, REMIC II Regular Interest II-LTM9, REMIC II Regular Interest
II-LTM10, REMIC II Regular Interest II-LTM11, REMIC II Regular Interest II-LTZZ
and REMIC II Regular Interest II-LTP, a per annum rate (but not less than zero)
equal to the weighted average of (v) with respect to REMIC I Regular Interest
I,
and REMIC I Regular Interest I-LTP, the REMIC I Remittance Rate for such REMIC
I
Regular Interest for each such Distribution Date, (w) with respect to REMIC
I
Regular Interests ending with the designation “B”, the weighted average of the
REMIC I Remittance Rates for such REMIC I Regular Interests, weighted on the
basis of the Uncertificated Principal Balance of such REMIC I Regular Interests
for each such Distribution Date and (x) with respect to REMIC I Regular
Interests ending with the designation “A”, for each Distribution Date listed
below, the weighted average of the rates listed below for each such REMIC I
Regular Interest listed below, weighted on the basis of the Uncertificated
Principal Balance of each such REMIC I Regular Interest for each such
Distribution Date:
|
Distribution
Date
|
REMIC
I Regular Interest
|
Rate
|
|
1
|
I-1-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-1-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
2
|
I-2-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-2-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
|
REMIC
I Remittance Rate
|
|
|
3
|
I-3-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-3-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
and I-2-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
and II-2-A
|
REMIC
I Remittance Rate
|
|
|
4
|
I-4-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-4-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-3-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-3-A
|
REMIC
I Remittance Rate
|
|
|
5
|
I-5-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-5-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-4-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-4-A
|
REMIC
I Remittance Rate
|
|
|
6
|
I-6-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-6-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-5-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-5-A
|
REMIC
I Remittance Rate
|
|
|
7
|
I-7-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-7-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-6-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-6-A
|
REMIC
I Remittance Rate
|
|
|
8
|
I-8-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-8-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-7-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-7-A
|
REMIC
I Remittance Rate
|
|
|
9
|
I-9-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-9-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-8-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-8-A
|
REMIC
I Remittance Rate
|
|
|
10
|
I-10-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-10-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-9-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-9-A
|
REMIC
I Remittance Rate
|
|
|
11
|
I-11-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-11-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-10-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-10-A
|
REMIC
I Remittance Rate
|
|
|
12
|
I-12-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-12-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-11-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-11-A
|
REMIC
I Remittance Rate
|
|
|
13
|
I-13-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-13-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-12-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-12-A
|
REMIC
I Remittance Rate
|
|
|
14
|
I-14-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-14-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-13-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-13-A
|
REMIC
I Remittance Rate
|
|
|
15
|
I-15-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-15-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-14-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-14-A
|
REMIC
I Remittance Rate
|
|
|
16
|
I-16-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-16-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-15-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-15-A
|
REMIC
I Remittance Rate
|
|
|
17
|
I-17-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-17-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-16-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-16-A
|
REMIC
I Remittance Rate
|
|
|
18
|
I-18-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-18-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-17-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-17-A
|
REMIC
I Remittance Rate
|
|
|
19
|
I-19-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-19-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-18-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-18-A
|
REMIC
I Remittance Rate
|
|
|
20
|
I-20-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-20-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-19-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-19-A
|
REMIC
I Remittance Rate
|
|
|
21
|
I-21-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-21-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-20-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-20-A
|
REMIC
I Remittance Rate
|
|
|
22
|
I-22-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-22-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-21-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-21-A
|
REMIC
I Remittance Rate
|
|
|
23
|
I-23-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-23-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-22-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-22-A
|
REMIC
I Remittance Rate
|
|
|
24
|
I-24-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-24-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-23-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-23-A
|
REMIC
I Remittance Rate
|
|
|
25
|
I-25-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-25-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-24-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-24-A
|
REMIC
I Remittance Rate
|
|
|
26
|
I-26-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-26-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-25-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-25-A
|
REMIC
I Remittance Rate
|
|
|
27
|
I-27-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-27-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-26-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-26-A
|
REMIC
I Remittance Rate
|
|
|
28
|
I-28-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-28-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-27-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-27-A
|
REMIC
I Remittance Rate
|
|
|
29
|
I-29-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-29-A
through II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-28-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-28-A
|
REMIC
I Remittance Rate
|
|
|
30
|
I-30-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-30-A
and II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-29-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-29-A
|
REMIC
I Remittance Rate
|
|
|
31
|
I-31-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
II-31-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
|
I-1-A
through I-30-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-30-A
|
REMIC
I Remittance Rate
|
|
|
32
|
I-32-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-31-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
33
|
I-33-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-32-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
34
|
I-34-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-33-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
35
|
I-35-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-34-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
36
|
I-36-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-35-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
37
|
I-37-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-36-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
38
|
I-38-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-37-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
39
|
I-39-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-38-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
40
|
I-40-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-39-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
41
|
I-41-A
through I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-40-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
42
|
I-42-A
and I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-41-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
43
|
I-43-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of REMIC I Remittance
Rate
|
|
I-1-A
through I-42-A
|
REMIC
I Remittance Rate
|
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
|
|
thereafter
|
I-1-A
through I-43-A
|
REMIC
I Remittance Rate
|
|
II-1-A
through II-31-A
|
REMIC
I Remittance Rate
|
With
respect to REMIC II Regular Interest II-LTIO-1, and (a) the first 43
Distribution Dates, the excess of (i) the weighted average of the REMIC I
Remittance Rates for REMIC I Group I Regular Interests ending with the
designation “A”, over (ii) 2 multiplied by Swap LIBOR, and (b) thereafter,
0.00%.
With
respect to REMIC II Regular Interest II-LTIO-2, and (a) the first 31
Distirbution Dates, the excess of (i) the weighted average of the REMIC I
Remittance Rates for REMIC I Group II Regular Interests ending with the
designation “A”, over (ii) 2 multiplied by Swap LIBOR, and (b) thereafter,
0.00%.
“REMIC
II
Required Overcollateralized Amount”: 1.00% of the Overcollateralization Target
Amount.
“REMIC
III”: The segregated pool of assets consisting of all of the REMIC II Regular
Interests conveyed in trust to the Trustee, for the benefit of the REMIC III
Certificateholders pursuant to Section 2.07, and all amounts deposited therein,
with respect to which a separate REMIC election is to be made.
“REMIC
III Certificate”: Any Regular Certificate (other than a Class CE Certificate or
Class P Certificate) or Class R Certificate.
“REMIC
III Certificateholder”: The Holder of any REMIC III Certificate.
“REMIC
III Regular Interest”: Any Class A Certificate, Mezzanine Certificate, the Class
CE Interest, the Class P Interest, Class Swap-IO-1 Interest or Class Swap-IO-2
Interest.
“REMIC
IV”: The segregated pool of assets consisting of all of the Class CE Interest
conveyed in trust to the Trustee, for the benefit of the Holders of the Class
CE
Certificates and the Class R-X Certificate (in respect of the Class R-IV
Interest), pursuant to Article II hereunder, and all amounts deposited therein,
with respect to which a separate REMIC election is to be made.
“REMIC
V”: The segregated pool of assets consisting of all of the Class P Interest
conveyed in trust to the Trustee, for the benefit of the Holders of the Class
P
Certificates and the Class R-X Certificate (in respect of the Class R-V
Interest), pursuant to Article II hereunder, and all amounts deposited therein,
with respect to which a separate REMIC election is to be made.
“REMIC
VI”: The segregated pool of assets consisting of all of the Class Swap-IO-1
Interest conveyed in trust to the Trustee, for the benefit of the Holders of
the
REMIC VI Regular Interest SWAP-IO-1 and the Class R-X Certificate (in respect
of
the Class R-VI Interest), pursuant to Article II hereunder, and all amounts
deposited therein, with respect to which a separate REMIC election is to be
made.
“REMIC
VII”: The segregated pool of assets consisting of all of the Class Swap-IO-2
Interest conveyed in trust to the Trustee, for the benefit of the Holders of
the
REMIC VII Regular Interest SWAP-IO-2 and the Class R-X Certificate (in respect
of the Class R-VII Interest), pursuant to Article II hereunder, and all amounts
deposited therein, with respect to which a separate REMIC election is to be
made.
“REMIC
Provisions”: Provisions of the federal income tax law relating to REMICs, which
appear at Section 860A through 860G of the Code, and related provisions, and
proposed, temporary and final regulations and published rulings, notices and
announcements promulgated thereunder, as the foregoing may be in effect from
time to time.
“REMIC
Regular Interest”: Any REMIC I Regular Interest, REMIC II Regular Interest,
REMIC III Regular Interest, REMIC VI Regular Interest SWAP-IO-1 or REMIC VII
Regular Interest SWAP-IO-2.
“REMIC
Remittance Rate”: The REMIC I Remittance Rate or the REMIC II Remittance
Rate.
“Remittance
Report”: A report prepared by each Servicer and delivered to the Trust
Administrator and the NIMS Insurer pursuant to Section 4.03.
“Rents
from Real Property”: With respect to any REO Property, gross income of the
character described in Section 856(d) of the Code as being included in the
term “rents from real property.”
“REO
Account”: The account or accounts maintained, or caused to be maintained, by the
Servicer in respect of an REO Property pursuant to Section 3.23.
“REO
Disposition”: The sale or other disposition of an REO Property on behalf of
REMIC I.
“REO
Imputed Interest”: As to any REO Property, for any calendar month during which
such REO Property was at any time part of REMIC I, one month’s interest at the
applicable Net Mortgage Rate on the Stated Principal Balance of such REO
Property (or, in the case of the first such calendar month, of the related
Mortgage Loan, if appropriate) as of the close of business on the Distribution
Date in such calendar month.
“REO
Principal Amortization”: With respect to any REO Property, for any calendar
month, the excess, if any, of (a) the aggregate of all amounts received in
respect of such REO Property during such calendar month, whether in the form
of
rental income, sale proceeds (including, without limitation, that portion of
the
Termination Price paid in connection with a purchase of all of the Mortgage
Loans and REO Properties pursuant to Section 9.01 that is allocable to such
REO
Property) or otherwise, net of any portion of such amounts (i) payable pursuant
to Section 3.23(c) in respect of the proper operation, management and
maintenance of such REO Property or (ii) payable or reimbursable to the related
Servicer pursuant to Section 3.23(d) for unpaid Servicing Fees or Master
Servicing Fees in respect of the related Mortgage Loan and unreimbursed Advances
and Servicing Advances in respect of such REO Property or the related Mortgage
Loan, over (b) the REO Imputed Interest in respect of such REO Property for
such
calendar month.
“REO
Property”: A Mortgaged Property acquired by the related Servicer on behalf of
REMIC I through foreclosure or deed-in-lieu of foreclosure, as described in
Section 3.23.
“Reportable
Event”: The meaning set forth in Section 4.06(a)(iii).
“Request
for Release”: A request for release in such electronic or other format as shall
be mutually agreed to by the Custodian and the related Servicer, in
substantially the form of Exhibit E attached hereto.
“Reserve
Interest Rate”: With respect to any Interest Determination Date, the rate per
annum that the Trust Administrator determines to be either (i) the arithmetic
mean (rounded upwards if necessary to the nearest whole multiple of 1/16%)
of
the one-month U.S. dollar lending rates which New York City banks selected
by
the Trust Administrator are quoting on the relevant Interest Determination
Date
to the principal London offices of leading banks in the London interbank market
or (ii) in the event that the Trust Administrator can determine no such
arithmetic mean, the lowest one-month U.S. dollar lending rate which New York
City banks selected by the Trust Administrator are quoting on such Interest
Determination Date to leading European banks.
“Residential
Dwelling”: Any one of the following: (i) a detached one-family dwelling, (ii) a
detached two- to four-family dwelling, (iii) a one-family dwelling unit in
a
▇▇▇▇▇▇ ▇▇▇ eligible condominium project, (iv) a manufactured home, or (v) a
detached one-family dwelling in a planned unit development, none of which is
a
co-operative or mobile home.
“Residual
Certificate”: Any one of the Class R Certificates and the Class R-X
Certificates.
“Residual
Interest”: The sole class of “residual interests” in a REMIC within the meaning
of Section 860G(a)(2) of the Code.
“Responsible
Officer”: When used with respect to the Trustee or the Trust Administrator, the
Chairman or Vice Chairman of the Board of Directors or Trustees, the Chairman
or
Vice Chairman of the Executive or Standing Committee of the Board of Directors
or Trustees, the President, the Chairman of the Committee on Trust Matters,
any
vice president, any assistant vice president, the Secretary, any assistant
secretary, the Treasurer, any assistant treasurer, the Cashier, any assistant
cashier, any trust officer or assistant trust officer, the Controller and any
assistant controller or any other officer of the Trustee or the Trust
Administrator, as applicable, customarily performing functions similar to those
performed by any of the above designated officers, in each case, having direct
responsibility for the administration of this Agreement, and, with respect
to a
particular matter relating to this Agreement, to whom such matter is referred
because of such officer’s knowledge of and familiarity with the particular
subject.
“S&P”:
Standard & Poor’s Ratings Services, a division of The ▇▇▇▇▇▇-▇▇▇▇ Companies,
Inc., or its successor in interest.
“▇▇▇▇▇▇▇▇-▇▇▇▇▇
Act”: The ▇▇▇▇▇▇▇▇-▇▇▇▇▇ Act of 2002 and the rules and regulations of the
Commission promulgated thereunder (including any interpretations thereof by
the
Commission’s staff).
“▇▇▇▇▇▇▇▇-▇▇▇▇▇
Certification”: The meaning set forth in Section 4.06(a)(iv).
“Securities
Act”: The Securities Act of 1933, as amended, and the rules and regulations
thereunder.
“Seller”:
UBS Real Estate Securities Inc. or its successor in interest, in its capacity
as
Seller under the Assignment Agreements.
“Senior
Principal Distribution Amount”: The excess of (x) the aggregate Certificate
Principal Balance of the Class A Certificates immediately prior to such
Distribution Date over (y) the lesser of (A) the product of (i) 53.00% and
(ii)
the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period) and (B) the excess of the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) over $3,301,161.26.
“Servicer”:
Either JPMorgan, with respect to the JPMorgan Mortgage Loans or ▇▇▇▇▇ Fargo,
with respect to the ▇▇▇▇▇ Fargo Mortgage Loans, or any successor Servicer
appointed as herein provided, each in its capacity as a Servicer
hereunder.
“Servicer
Event of Default”: One or more of the events described in Section
7.01(a).
“Servicer
Prepayment Charge Payment Amount”: The amounts payable by the related Servicer
in respect of any waived Prepayment Charges pursuant to Section
3.01.
“Servicer
Remittance Date”: With respect to ▇▇▇▇▇ Fargo and any Distribution Date, the
18th
day of
the calendar month in which such Distribution Date occurs or, if such
18th
day is
not a Business Day, the Business Day immediately following. With respect to
JPMorgan and any Distribution Date, by 4:00 p.m. New York time on the 24th
day
of the month in which such Distribution Date occurs, and if not a Business
Day,
the immediately preceding Business Day.
“Servicing
Account”: The account or accounts created and maintained pursuant to Section
3.09.
“Servicing
Advances”: The reasonable “out-of-pocket” costs and expenses incurred by either
Servicer in connection with a default, delinquency or other unanticipated event
by such Servicer in the performance of its servicing obligations, including,
but
not limited to, the cost of (i) the preservation, restoration, inspection and
protection of a Mortgaged Property, (ii) any enforcement, administration or
judicial proceedings, including foreclosures, in respect of a particular
Mortgage Loan, including any expenses incurred in relation to any such
proceedings that result from the Mortgage Loan being registered on the MERS
System, (iii) the management (including reasonable fees in connection therewith)
and liquidation of any REO Property, (iv) taxes, assessments, water rates,
sewer
rents and other charges which are or may become a lien upon the Mortgage Propety
and (v) the performance of its obligations under Section 3.01, Section 3.09,
Section 3.13, Section 3.14, Section 3.16 and Section 3.23. Servicing Advances
shall also include any reasonable “out-of-pocket” costs and expenses (including
legal fees) incurred by the related Servicer in connection with executing and
recording instruments of satisfaction, deeds of reconveyance or Assignments
of
Mortgage in connection with any foreclosure in respect of any Mortgage Loan
to
the extent not recovered from the related Mortgagor or otherwise payable under
this Agreement. Neither Servicer shall be required to make any Servicing Advance
in respect of a Mortgage Loan or REO Property that, in the good faith business
judgment of such Servicer in accordance with the JPMorgan Servicing Standard,
would not be ultimately recoverable from related Insurance Proceeds or
Liquidation Proceeds on such Mortgage Loan or REO Property as provided herein.
Neither Servicer shall be required to make any Servicing Advance that would
be a
Nonrecoverable Advance.
“Servicing
Fee”: With respect to each Mortgage Loan, the amount of the annual fee paid to
the related Servicer, which shall, for a period of one full month, be equal
to
one-twelfth of the product of (a) the Servicing Fee Rate (without regard to
the
words “per annum”) and (b) the outstanding principal balance of such Mortgage
Loan. Such fee shall be payable monthly, computed on the basis of the same
principal amount and period respecting which any related interest payment on
a
Mortgage Loan is received. The obligation for payment of the Servicing Fee
is
limited to, and the Servicing Fee is payable solely from, the interest portion
(including recoveries with respect to interest from Liquidation Proceeds) of
such Monthly Payment collected by the related Servicer, or as otherwise provided
under Section 3.11.
“Servicing
Fee Rate”: With respect to each Mortgage Loan, the rate of 0.50% per
annum.
“Servicing
Officer”: Any employee of either Servicer involved in, or responsible for, the
administration and servicing of the Mortgage Loans, whose name appear on a
list
of Servicing Officers furnished by each Servicer to the Master Servicer, the
Trust Administrator, the Trustee and the Depositor, upon request, as such list
may from time to time be amended. With respect to the Master Servicer, any
officer of the Master Servicer involved in or responsible for, the
administration and master servicing of the Mortgage Loans whose name appears
on
a list of master Servicing Officers furnished by the Master Servicer to the
Trustee, the Trust Administrator and the Depositor upon request, as such list
may from time to time be amended.
“Servicing
Transfer Costs”: Shall mean all reasonable out-of-pocket costs and expenses
incurred by the Trustee or the Master Servicer in connection with the transfer
of servicing from a predecessor servicer, including, without limitation, any
reasonable costs or expenses associated with the complete transfer of all
servicing data and the completion, correction or manipulation of such servicing
data as may be required by the Trustee, the Master Servicer to correct any
errors or insufficiencies in the servicing data or otherwise to enable the
Trustee or the Master Servicer to service the Mortgage Loans properly and
effectively.
“Significance
Percentage”: The percentage equivalent of a fraction, the numerator of which is
the net present value of the estimated future amounts payable under the Interest
Rate Swap Agreement and the denominator of which is the aggregate Certificate
Principal Balance of the Class A Certificates, the Mezzanine Certificates and
the Class CE Certificates on such Distribution Date (after giving effect to
all
distributions on such Distribution Date), in each case as determined pursuant
to
Section 4.02(b).
“Single
Certificate”: With respect to any Class of Certificates (other than the Class P
Certificates and the Residual Certificates), a hypothetical Certificate of
such
Class evidencing a Percentage Interest for such Class corresponding to an
initial Certificate Principal Balance of $1,000. With respect to the Class
P
Certificates and the Residual Certificates, a hypothetical Certificate of such
Class evidencing a 100% Percentage Interest in such Class.
“Startup
Day”: With respect to each Trust REMIC, the day designated as such pursuant to
Section 10.01(b) hereof.
“Stated
Principal Balance”: With respect to any Mortgage Loan: (a) as of any date of
determination up to but not including the Distribution Date on which the
proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan
would be distributed, the Cut-off Date Principal Balance of such Mortgage Loan,
as shown in the Mortgage Loan Schedule, minus the sum of (i) the principal
portion of each Monthly Payment due on a Due Date subsequent to the Cut-off
Date, to the extent received from the Mortgagor or advanced by the related
Servicer and distributed pursuant to Section 4.01 on or before such date of
determination, (ii) all Principal Prepayments received after the Cut-off Date,
to the extent distributed pursuant to Section 4.01 on or before such date
of determination, (iii) all Liquidation Proceeds and Insurance Proceeds applied
by the related Servicer as recoveries of principal in accordance with the
provisions of Section 3.16, to the extent distributed pursuant to
Section 4.01 on or before such date of determination, and (iv) any Realized
Loss incurred with respect thereto as a result of a Deficient Valuation made
during or prior to the Prepayment Period for the most recent Distribution Date
coinciding with or preceding such date of determination; and (b) as of any
date
of determination coinciding with or subsequent to the Distribution Date on
which
the proceeds, if any, of a Liquidation Event with respect to such Mortgage
Loan
would be distributed, zero. With respect to any REO Property: (a) as of any
date
of determination up to but not including the Distribution Date on which the
proceeds, if any, of a Liquidation Event with respect to such REO Property
would
be distributed, an amount (not less than zero) equal to the Stated Principal
Balance of the related Mortgage Loan as of the date on which such REO Property
was acquired on behalf of REMIC I, minus the sum of (i) if such REO Property
was
acquired before the Distribution Date in any calendar month, the principal
portion of the Monthly Payment due on the Due Date in the calendar month of
acquisition, to the extent advanced by the related Servicer and distributed
pursuant to Section 4.01 on or before such date of determination, and (ii)
the aggregate amount of REO Principal Amortization in respect of such REO
Property for all previously ended calendar months, to the extent distributed
pursuant to Section 4.01 on or before such date of determination; and (b)
as of any date of determination coinciding with or subsequent to the
Distribution Date on which the proceeds, if any, of a Liquidation Event with
respect to such REO Property would be distributed, zero.
“Stepdown
Date”: The earlier to occur of (i) the Distribution Date on which the aggregate
Certificate Principal Balance of the Class A Certificates has been reduced
to
zero and (ii) the later to occur of (x) the Distribution Date occurring in
March
2009 and (y) the first Distribution Date on which the Credit Enhancement
Percentage (calculated for this purpose only after taking into account payments
of principal on the Mortgage Loans) for the Class A Certificates is equal to
or
greater than 47.00%.
“Subordinate
Certificates”: The Mezzanine Certificates and the Class CE Certificates.
“Sub-Servicer”:
Any Person with which either Servicer has entered into a Sub-Servicing
Agreement.
“Sub-Servicing
Account”: An account established by a Sub-Servicer which meets the requirements
set forth in Section 3.08 and is otherwise acceptable to the applicable
Servicer.
“Sub-Servicing
Agreement”: The written contract between either Servicer and a Sub-Servicer,
relating to servicing and administration of certain Mortgage Loans, which meets
the requirements set forth in Section 3.02.
“Subsequent
Recoveries”: As of any Distribution Date, unexpected amounts received by the
related Servicer (net of any related expenses permitted to be reimbursed to
such
Servicer or the Master Servicer) specifically related to a Mortgage Loan that
was the subject of a liquidation or an REO Disposition prior to the related
Prepayment Period that resulted in a Realized Loss.
“Substitution
Adjustment Amount”: As defined in Section 2.03(b).
“Supplemental
Interest Trust”: As defined in Section 4.08(a).
“Supplemental
Interest Trust Trustee”: ▇▇▇▇▇ Fargo Bank, N. A., a national banking
association, not in its individual capacity but solely in its capacity as
supplemental interest trust trustee, and any successor thereto.
“Swap
Account”: The account or accounts created and maintained pursuant to Section
4.08. The Swap Account must be an Eligible Account.
“Swap
Administration Agreement”: As defined in Section 4.08(b).
“Swap
Administrator”: ▇▇▇▇▇
Fargo Bank, N.A.,
a
national banking association, or any successor in interest not in its individual
capacity but solely as swap administrator under the Swap Administration
Agreement, or any successor swap administrator appointed pursuant to the Swap
Administration Agreement.
“Swap
Interest Shortfall Amount”: Any shortfall of interest with respect to any Class
of Certificates resulting from the application of the Net WAC Rate due to a
discrepancy between the Uncertificated Notional Amounts of the Class SWAP-IO-1
Interest or the Class SWAP-IO-2 Interest and the scheduled notional amount
pursuant to the related Swap Administration Agreement.
“Swap
LIBOR”:
A per annum rate equal to the floating rate payable by either Swap Provider
under the related Interest Rate Swap Agreement.
“Swap
Provider”: Either (i) Bear ▇▇▇▇▇▇▇ Financial Products Inc. or (ii) UBS AG, as
applicable.
“Swap
Provider Trigger Event”: A Swap Termination Payment that is triggered upon: (i)
an Event of Default under the related Interest Rate Swap Agreement with respect
to which the related Swap Provider is a Defaulting Party (as defined in the
related Interest Rate Swap Agreement), (ii) a Termination Event under the
related Interest Rate Swap Agreement with respect to which the related Swap
Provider is the sole Affected Party (as defined in the related Interest Rate
Swap Agreement) or (iii) an Additional Termination Event under the related
Interest Rate Swap Agreement with respect to which the related Swap Provider
is
the sole Affected Party.
“Swap
Termination Payment”: The payment due under the related Interest Rate Swap
Agreement upon the early termination of such Interest Rate Swap
Agreement.
“Tax
Returns”: The federal income tax return on Internal Revenue Service Form 1066,
U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including
Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC
Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on
behalf of the Trust Fund due to the classification of portions thereof as REMICs
under the REMIC Provisions, together with any and all other information reports
or returns that may be required to be furnished to the Certificateholders or
filed with the Internal Revenue Service or any other governmental taxing
authority under any applicable provisions of federal, state or local tax
laws.
“Telerate
Page 3750”: The display designated as page “3750” on the Dow ▇▇▇▇▇ Telerate
Capital Markets Report (or such other page as may replace page 3750 on that
report for the purpose of displaying London interbank offered rates of major
banks).
“Termination
Price”: As defined in Section 9.01.
“Terminator”:
As defined in Section 9.01.
“Transfer”:
Any direct or indirect transfer, sale, pledge, hypothecation, or other form
of
assignment of any Ownership Interest in a Certificate.
“Transferee”:
Any Person who is acquiring by Transfer any Ownership Interest in a
Certificate.
“Transferor”:
Any Person who is disposing by Transfer of any Ownership Interest in a
Certificate.
“Trigger
Event”: A Trigger Event is in effect with respect to any Distribution Date on or
after the Stepdown Date if:
(b) the
Delinquency Percentage exceeds 40.50% of the Credit Enhancement Percentage;
or
(c) the
aggregate amount of Realized Losses incurred since the Cut-off Date through
the
last day of the related Due Period (reduced by the aggregate amount of
Subsequent Recoveries received since the Cut-off Date through the last day
of
the related Due Period) divided by the aggregate Stated Principal Balance of
the
Mortgage Loans as of the Cut-off Date exceeds the applicable percentages set
forth below with respect to such Distribution Date:
|
Distribution
Date Occurring In
|
Percentage
|
|
March
2008 through February 2009
|
1.50%
for the first month, plus an additional 1/12th of 1.85% for each
month
thereafter
|
|
March
2009 through February 2010
|
3.35%
for the first month, plus an additional 1/12th of 1.90% for each
month
thereafter
|
|
March
2010 through February 2011
|
5.25%
for the first month, plus an additional 1/12th of 1.00% for each
month
thereafter
|
|
March
2011 through February 2012
|
6.25%
for the first month, plus an additional 1/12th of 0.50% for each
month
thereafter
|
|
March
2012 and thereafter
|
6.75%
|
“Trust
Administrator”: ▇▇▇▇▇ Fargo Bank, N.A., or any successor in interest, or any
successor trust administrator appointed as herein provided.
“Trust
Fund”: Collectively, all of the assets of REMIC I, REMIC II, REMIC III, REMIC
IV, REMIC V, REMIC VI, REMIC VII, the Net WAC Rate Carryover Reserve Account,
distributions made to the Trust Administrator by the Swap Administrator under
the Swap Administration Agreement and the Swap Account and the other assets
conveyed by the Depositor to the Trustee pursuant to Section 2.01.
“Trust
REMIC”: Any of REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI and
REMIC VII.
“Trustee”:
U.S. Bank National Association, a national banking association, or its successor
in interest, or any successor trustee appointed as herein provided.
“Uncertificated
Balance”: The amount of any REMIC Regular Interest (other than REMIC II Regular
Interest II-LTIO-1 and REMIC II Regular Interest II-LTIO-2) outstanding as
of
any date of determination. As of the Closing Date, the Uncertificated Balance
of
each REMIC Regular Interest (other than REMIC II Regular Interest II-LTIO-1
and
REMIC II Regular Interest II-LTIO-2) shall equal the amount set forth in the
Preliminary Statement hereto as its initial uncertificated balance. On each
Distribution Date, the Uncertificated Balance of each REMIC Regular Interest
(other than REMIC II Regular Interest II-LTIO-1 and REMIC II Regular Interest
II-LTIO-2) shall be reduced by all distributions of principal made on such
REMIC
Regular Interest on such Distribution Date pursuant to Section 4.01 and, if
and to the extent necessary and appropriate, shall be further reduced on such
Distribution Date by Realized Losses as provided in Section 4.04. The
Uncertificated Balance of REMIC II Regular Interest II-LTZZ shall be increased
by interest deferrals as provided in Section 4.01(a)(1). The Uncertificated
Balance of each REMIC Regular Interest (other than REMIC II Regular Interest
II-LTIO-1 and REMIC II Regular Interest II-LTIO-2) shall never be less than
zero. With respect to the Class CE Interest as of any date of determination,
an
amount equal to the excess, if any, of (A) the then aggregate Uncertificated
Principal Balance of the REMIC II Regular Interests over (B) the then aggregate
Certificate Principal Balances of the Class A Certificates, Mezzanine
Certificates and the Class P Interest then outstanding.
“Uncertificated
Interest”: With respect to any REMIC Regular Interest for any Distribution Date,
one month’s interest at the REMIC Remittance Rate applicable to such REMIC
Regular Interest for such Distribution Date, accrued on the Uncertificated
Balance or Uncertificated Notional Amount thereof immediately prior to such
Distribution Date. Uncertificated Interest in respect of any REMIC I Regular
Interest shall accrue on the basis of a 360-day year consisting of twelve 30-day
months. Uncertificated Interest with respect to each Distribution Date, as
to
any REMIC Regular Interest, shall be reduced by an amount equal to the sum
of
(a) the aggregate Prepayment Interest Shortfall, if any, for such Distribution
Date to the extent not covered by Compensating Interest and (b) the aggregate
amount of any Relief Act Interest Shortfall, if any allocated, in each case,
to
such REMIC Regular Interest pursuant to Section 1.02. In addition,
Uncertificated Interest with respect to each Distribution Date, as to any REMIC
Regular Interest shall be reduced by Realized Losses, if any, allocated to
such
REMIC Regular Interest pursuant to Section 1.02 and
Section 4.04.
“Uncertificated
Notional Amount”: With respect to REMIC II Regular Interest II-LTIO-1 and each
Distribution Date listed below, the aggregate Uncertificated Principal Balance
of the REMIC I Regular Interests ending with the designation “A” listed below:
|
Distribution
Date
|
REMIC
I Regular Interests
|
|
1
|
I-1-A
through ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
▇▇▇▇▇▇▇ ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
through ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
▇▇▇▇▇▇▇ ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
through ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
▇▇▇▇▇▇▇ ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
through ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
▇▇▇▇▇▇▇ ▇-▇▇-▇
|
|
▇
|
▇-▇-▇
through I-43-A
|
|
10
|
I-10-A
through I-43-A
|
|
11
|
I-11-A
through I-43-A
|
|
12
|
I-12-A
through I-43-A
|
|
13
|
I-13-A
through I-43-A
|
|
14
|
I-14-A
through I-43-A
|
|
15
|
I-15-A
through I-43-A
|
|
16
|
I-16-A
through I-43-A
|
|
17
|
I-17-A
through I-43-A
|
|
18
|
I-18-A
through I-43-A
|
|
19
|
I-19-A
through I-43-A
|
|
20
|
I-20-A
through I-43-A
|
|
21
|
I-21-A
through I-43-A
|
|
22
|
I-22-A
through I-43-A
|
|
23
|
I-23-A
through I-43-A
|
|
24
|
I-24-A
through I-43-A
|
|
25
|
I-25-A
through I-43-A
|
|
26
|
I-26-A
through I-43-A
|
|
27
|
I-27-A
through I-43-A
|
|
28
|
I-28-A
through I-43-A
|
|
29
|
I-29-A
through I-43-A
|
|
30
|
I-30-A
through I-43-A
|
|
31
|
I-31-A
through I-43-A
|
|
32
|
I-32-A
through I-43-A
|
|
33
|
I-33-A
through I-43-A
|
|
34
|
I-34-A
through I-43-A
|
|
35
|
I-35-A
through I-43-A
|
|
36
|
I-36-A
through I-43-A
|
|
37
|
I-37-A
through I-43-A
|
|
38
|
I-38-A
through I-43-A
|
|
39
|
I-39-A
through I-43-A
|
|
40
|
I-40-A
through I-43-A
|
|
41
|
I-41-A
through I-43-A
|
|
42
|
I-42-A
and I-43-A
|
|
43
|
I-43-A
|
|
thereafter
|
$0.00
|
“Uncertificated
Notional Amount”: With respect to REMIC II Regular Interest II-LTIO-2 and each
Distribution Date listed below, the aggregate Uncertificated Principal Balance
of the REMIC I Regular Interests ending with the designation “A” listed below:
|
Distribution
Date
|
REMIC
I Regular
Interests
|
|
1
|
II-1-A
through
II-31-A
|
|
2
|
II-2-A
through
II-31-A
|
|
3
|
II-3-A
through
II-31-A
|
|
4
|
II-4-A
through
II-31-A
|
|
5
|
II-5-A
through
II-31-A
|
|
6
|
II-6-A
through
II-31-A
|
|
7
|
II-7-A
through
II-31-A
|
|
8
|
II-8-A
through
II-31-A
|
|
9
|
II-9-A
through
II-31-A
|
|
10
|
II-10-A
through
II-31-A
|
|
11
|
II-11-A
through
II-31-A
|
|
12
|
II-12-A
through
II-31-A
|
|
13
|
II-13-A
through
II-31-A
|
|
14
|
II-14-A
through
II-31-A
|
|
15
|
II-15-A
through
II-31-A
|
|
16
|
II-16-A
through
II-31-A
|
|
17
|
II-17-A
through
II-31-A
|
|
18
|
II-18-A
through
II-31-A
|
|
19
|
II-19-A
through
II-31-A
|
|
20
|
II-20-A
through
II-31-A
|
|
21
|
II-21-A
through
II-31-A
|
|
22
|
II-22-A
through
II-31-A
|
|
23
|
II-23-A
through
II-31-A
|
|
24
|
II-24-A
through
II-31-A
|
|
25
|
II-25-A
through
II-31-A
|
|
26
|
II-26-A
through
II-31-A
|
|
27
|
II-27-A
through
II-31-A
|
|
28
|
II-28-A
through
II-31-A
|
|
29
|
II-29-A
through
II-31-A
|
|
30
|
II-30-Aand
II-31-A
|
|
31
|
II-31-A
|
|
thereafter
|
$0.00
|
With
respect to the Class Swap-IO-1 Interest and any Distribution Date, an amount
equal to the Uncertificated Notional Amount of the REMIC II Regular Interest
II-LTIO-1.
With
respect to the Class Swap-IO-2 Interest and any Distribution Date, an amount
equal to the Uncertificated Notional Amount of the REMIC II Regular Interest
II-LTIO-2.
“Uninsured
Cause”: Any cause of damage to a Mortgaged Property such that the complete
restoration of such property is not fully reimbursable by the hazard insurance
policies required to be maintained pursuant to Section 3.14.
“United
States Person”: A citizen or resident of the United States, a corporation,
partnership or other entity created or organized in, or under the laws of,
the
United States, any state thereof or, the District of Columbia (except, in the
case of a partnership, to the extent provided in regulations) provided that,
for
purposes solely of the restrictions on the transfer of Class R Certificates
and
Class R-X Certificates, no partnership or other entity treated as a partnership
for United States federal income tax purposes shall be treated as a United
States Person unless all persons that own an interest in such partnership either
directly or through any entity that is not a corporation for United States
federal income tax purposes are required by the applicable operative agreement
to be United States Persons or an estate whose income is subject to United
States federal income tax regardless of its source, or a trust if a court within
the United States is able to exercise primary supervision over the
administration of the trust and one or more United States persons have the
authority to control all substantial decisions of the trust. To the extent
prescribed in regulations by the Secretary of the Treasury, a trust which was
in
existence on August 20, 1996 (other than a trust treated as owned by the grantor
under subpart E of part I of subchapter J of chapter 1 of the Code), and which
was treated as a United States person on August 20, 1996 may elect to continue
to be treated as a United States person notwithstanding the previous sentence.
The term “United States” shall have the meaning set forth in Section 7701
of the Code.
“Unpaid
Interest Shortfall Amount”: With respect to the Class A Certificates and the
Mezzanine Certificates and (i) the first Distribution Date, zero, and (ii)
any
Distribution Date after the first Distribution Date, the amount, if any, by
which (a) the sum of (1) the Monthly Interest Distributable Amount for such
Class for the immediately preceding Distribution Date and (2) the outstanding
Unpaid Interest Shortfall Amount, if any, for such Class for such preceding
Distribution Date exceeds (b) the aggregate amount distributed on such Class
in
respect of interest pursuant to clause (a) of this definition on such preceding
Distribution Date, plus interest on the amount of interest due but not paid
on
the Certificates of such Class on such preceding Distribution Date, to the
extent permitted by law, at the Pass-Through Rate for such Class for the related
Accrual Period.
“Value”:
With respect to any Mortgage Loan, and the related Mortgaged Property, the
lesser of:
(i)
the
lesser of (a) the value thereof as determined by an appraisal made for the
Originator at the time of origination of the Mortgage Loan by an appraiser
who
met the minimum requirements of ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac, and (b) the value
thereof as determined by a review appraisal conducted by the Originator in
the
event any such review appraisal determines an appraised value more than 10%
lower than the value thereof, in the case of a Mortgage Loan with a
Loan-to-Value Ratio less than or equal to 80%, or more than 5% lower than the
value thereof, in the case of a Mortgage Loan with a Loan-to-Value Ratio greater
than 80%, as determined by the appraisal referred to in clause (i)(a)
above;
(ii)
the
purchase price paid for the related Mortgaged Property by the Mortgagor with
the
proceeds of the Mortgage Loan; provided, however, that in the case of a
Refinanced Mortgage Loan or a Mortgage Loan originated in connection with a
“lease option purchase” if the “lease option purchase price” was set 12 months
or more prior to origination, such value of the Mortgaged Property is based
solely upon clause (i) above.
“Voting
Rights”: The portion of the voting rights of all of the Certificates which is
allocated to any Certificate. With respect to any date of determination, 98%
of
all Voting Rights will be allocated among the holders of the Class A
Certificates, the Mezzanine Certificates and the Class CE Certificates in
proportion to the then outstanding Certificate Principal Balances of their
respective Certificates, 1% of all Voting Rights will be allocated to the
holders of the Class P Certificates and 1% of all Voting Rights will be
allocated among the holders of the Residual Certificates. The Voting Rights
allocated to each Class of Certificate shall be allocated among Holders of
each
such Class in accordance with their respective Percentage Interests as of the
most recent Record Date.
“▇▇▇▇▇
Fargo”: ▇▇▇▇▇ Fargo Bank, N.A.
“▇▇▇▇▇
Fargo Mortgage Loans”: The Mortgage Loans serviced by ▇▇▇▇▇ Fargo.
| SECTION 1.02. |
Allocation
of Certain Interest Shortfalls.
|
For
purposes of calculating the amount of the Monthly Interest Distributable Amount
for the Class A Certificates, the Mezzanine Certificates and the Class CE
Certificates for any Distribution Date, (1) the aggregate amount of any
Prepayment Interest Shortfalls (to the extent not covered by Compensating
Interest payments by the Servicer or the Master Servicer) and any Relief Act
Interest Shortfall incurred in respect of the Mortgage Loans for any
Distribution Date shall be allocated first, to the Class CE Certificates based
on, and to the extent of, one month’s interest at the then applicable respective
Pass-Through Rate on the respective Notional Amount of each such Certificate
and, thereafter, among the Class A Certificates and the Mezzanine Certificates
on a pro
rata
basis
based on, and to the extent of, one month’s interest at the then applicable
respective Pass-Through Rate on the respective Certificate Principal Balance
of
each such Certificate and (2) the aggregate amount of any Realized Losses and
Net WAC Rate Carryover Amounts incurred for any Distribution Date shall be
allocated to the Class CE Certificates based on, and to the extent of, one
month’s interest at the then applicable respective Pass-Through Rate on the
respective Notional Amount of each such Certificate.
For
purposes of calculating the amount of Uncertificated Interest for the REMIC
I
Regular Interests for any Distribution Date, the aggregate amount of any
Prepayment Interest Shortfalls (to the extent not covered by payments by the
Servicer pursuant to Section 3.24) and any Relief Act Interest Shortfalls
incurred in respect of the Mortgage Loans shall be allocated first, to REMIC
I
Regular Interest I and to the REMIC I Regular Interests ending with the
designation “B”, pro
rata
based
on, and to the extent of, one month’s interest at the then applicable respective
REMIC I Remittance Rates on the respective Uncertificated Balances of each
such
REMIC I Regular Interest, and then, to REMIC I Regular Interests ending with
the
designation “A”, pro rata based on, and to the extent of, one month’s interest
at the then applicable respective REMIC I Remittance Rates on the respective
Uncertificated Balances of each such REMIC I Regular Interest.
For
purposes of calculating the amount of Uncertificated Interest for the REMIC
II
Regular Interests for any Distribution Date, the aggregate amount of any
Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred
in respect of the Mortgage Loans for any Distribution Date shall be allocated
among REMIC II Regular Interest II-LTAA, REMIC II Regular Interest II-LTA1,
REMIC II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3, REMIC
II
Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC II Regular
Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular Interest
II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular Interest II-LTM6,
REMIC II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8, REMIC
II
Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10, REMIC II Regular
Interest II-LTM11 and REMIC II Regular Interest II-LTZZ, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
REMIC II Remittance Rates on the respective Uncertificated Balances of each
such
REMIC II Regular Interest.
| SECTION 1.03. |
Rights
of the NIMS Insurer.
|
Each
of
the rights of the NIMS Insurer set forth in this Agreement shall exist so long
as (i) the NIMS Insurer has undertaken to guarantee certain payments of notes
issued pursuant to the Indenture and (ii) the notes issued pursuant to the
Indenture remain outstanding or the NIMS Insurer is owed amounts in respect
of
its guarantee of payment on such notes; provided, however, the NIMS Insurer
shall not have any rights hereunder (except pursuant to Section 11.01 and
any rights to indemnification hereunder in the case of clause (ii) below) so
long as (i) the NIMS Insurer has not undertaken to guarantee certain payments
of
notes issued pursuant to the Indenture or (ii) any default has occurred and
is
continuing under the insurance policy issued by the NIMS Insurer with respect
to
such notes.
ARTICLE
II
CONVEYANCE
OF MORTGAGE LOANS;
ORIGINAL
ISSUANCE OF CERTIFICATES
| SECTION 2.01. |
Conveyance
of the Mortgage Loans.
|
The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey to the Trustee without recourse,
for the benefit of the Certificateholders, all the right, title and interest
of
the Depositor, including any security interest therein for the benefit of the
Depositor, in and to the Mortgage Loans identified on the Mortgage Loan
Schedule, the rights of the Depositor under the Assignment Agreements, payments
made to the Trust Administrator by the Swap Administrator under the Swap
Administration Agreement and the Swap Account and all other assets included
or
to be included in REMIC I. Such assignment includes all interest and principal
received by the Depositor or the Servicer on or with respect to the Mortgage
Loans (other than payments of principal and interest due on such Mortgage Loans
on or before the Cut-off Date). The Depositor herewith delivers to the Trustee
executed originals of each Assignment Agreement.
In
connection with such transfer and assignment, the Depositor does hereby deliver
to, and deposit with, to the Custodian (on behalf of the Trustee), with respect
the Mortgage Loans, the following documents or instruments with respect to
each
Mortgage Loan so transferred and assigned (a “Mortgage File”):
(i) the
original Mortgage Note, endorsed in blank or in the following form: “Pay to the
order of U.S. Bank National Association, as Trustee under the applicable
agreement, without recourse,” with all prior and intervening endorsements
showing a complete chain of endorsement from the related Originator to the
Person so endorsing to the Trustee;
(ii) the
original Mortgage, noting the presence of the MIN of the Mortgage Loan and
language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan
is
a MOM Loan, with evidence of recording thereon, and the original recorded power
of attorney, if the Mortgage was executed pursuant to a power of attorney,
with
evidence of recording thereon;
(iii) unless
the Mortgage Loan is registered on the MERS® System, an original Assignment in
blank;
(iv) the
original recorded Assignment or Assignments showing a complete chain of
assignment from the related Originator to the Person assigning the Mortgage
to
the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS® System
and noting the presence of the MIN) as contemplated by the immediately preceding
clause (iii);
(v) the
original or copies of each assumption, modification, written assurance or
substitution agreement, if any; and
(vi) the
original lender’s title insurance policy, together with all endorsements or
riders that were issued with or subsequent to the issuance of such policy,
insuring the priority of the Mortgage as a first or second lien on the Mortgaged
Property represented therein as a fee interest vested in the Mortgagor, or
in
the event such original title policy is unavailable, a written commitment or
uniform binder or preliminary report of title issued by the title insurance
or
escrow company.
With
respect to a maximum of 1.0% of the Mortgage Loans, by outstanding Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date, if any original
Mortgage Note referred to in Section 2.01(i) above cannot be located, the
obligations of the Depositor to deliver such documents shall be deemed to be
satisfied upon delivery to the Trustee (or the Custodian on behalf of the
Trustee) of a photocopy of such Mortgage Note, if available, with a lost note
affidavit substantially in the form of Exhibit I attached hereto. If any of
the
original Mortgage Notes for which a lost note affidavit was delivered to the
Trustee (or the Custodian on behalf of the Trustee) with respect to the related
Mortgage Files, is subsequently located, such original Mortgage Note shall
be
delivered to the Trustee (or the Custodian on behalf of the Trustee) within
three Business Days.
Except
with respect to any Mortgage Loan for which MERS is identified on the Mortgage
or on a properly recorded assignment of the Mortgage as the mortgagee of record,
the Trustee (upon receipt of notice from the Custodian) shall promptly (within
sixty Business Days following the later of the Closing Date and the date of
receipt by the Trustee or the Custodian on behalf of the Trustee of the
recording information for a Mortgage, but in no event later than ninety days
following the Closing Date) enforce the obligations of the related Originator
pursuant to the terms of the related Master Agreement to submit or cause to
be
submitted for recording, at no expense to the Trust Fund, the Trustee, the
Trust
Administrator, the Custodian, the Servicer, the Master Servicer or the
Depositor, in the appropriate public office for real property records, each
Assignment referred to in Sections 2.01(iii) and (iv) above and in connection
therewith, the Trustee (upon receipt of notice from the Custodian) shall enforce
the obligation of each Originator pursuant to the terms of the related Master
Agreement to execute each original Assignment in the following form: “U.S. Bank
National Association, as Trustee under the applicable agreement.” In the event
that any such Assignment is lost or returned unrecorded because of a defect
therein, the Trustee (upon receipt of notice from the Custodian) shall enforce
the obligation of each Originator pursuant to the related Master Agreement
to
promptly prepare or cause to be prepared a substitute Assignment or cure or
cause to be cured such defect, as the case may be, and thereafter cause each
such Assignment to be duly recorded.
In
connection with the assignment of any Mortgage Loan registered on the MERS®
System, the Depositor further agrees that it will cause, within 30 Business
Days
after the Closing Date, the MERS® System to indicate that such Mortgage Loans
have been assigned by the Depositor to the Trustee in accordance with this
Agreement for the benefit of the Certificateholders by including (or deleting,
in the case of Mortgage Loans which are repurchased in accordance with this
Agreement) in such computer files (a) the code in the field which identifies
the
specific Trustee and (b) the code in the field “Pool Field” which identifies the
series of the Certificates issued in connection with such Mortgage Loans. The
Depositor further agrees that it will not, and will not permit either Servicer
to, and each Servicer agrees that it will not, alter the codes referenced in
this paragraph with respect to any Mortgage Loan during the term of this
Agreement unless and until such Mortgage Loan is repurchased in accordance
with
the terms of this Agreement.
If
any of
the documents referred to in Sections 2.01(ii), (iii) or (iv) has, as of the
Closing Date, been submitted for recording but either (x) has not been returned
from the applicable public recording office or (y) has been lost or such public
recording office has retained the original of such document, the obligations
of
the Depositor to deliver such documents shall be deemed to be satisfied upon
(1)
delivery to the Trustee (or the Custodian on behalf of the Trustee) of a copy
of
each such document certified by the related Originator in the case of (x) above
or the applicable public recording office in the case of (y) above to be a
true
and complete copy of the original that was submitted for recording and (2)
if
such copy is certified by the related Originator, delivery to the Trustee (or
the Custodian on behalf of the Trustee) promptly upon receipt thereof of either
the original or a copy of such document certified by the applicable public
recording office to be a true and complete copy of the original.
If
the
original lender’s title insurance policy was not delivered pursuant to Section
2.01(vi) above, the Depositor shall deliver or cause to be delivered to the
Custodian on behalf of the Trustee, promptly after receipt thereof, the original
lender’s title insurance policy with a copy thereof to the related Servicer. The
Depositor shall deliver or cause to be delivered to the Custodian on behalf
of
the Trustee promptly upon receipt thereof any other original documents
constituting a part of a Mortgage File received with respect to any Mortgage
Loan, including, but not limited to, any original documents evidencing an
assumption or modification of any Mortgage Loan with a copy thereof to the
related Servicer.
The
Depositor shall deliver or cause each Originator, the Trustee or the Custodian
on behalf of the Trustee to deliver to the related Servicer copies of all
trailing documents required to be included in the servicing file at the same
time the originals or certified copies thereof are delivered to the Trustee
or
the Custodian, such documents including but not limited to the mortgagee policy
of title insurance and any mortgage loan documents upon return from the
recording office. Neither Servicer shall be responsible for any custodian fees
or other costs incurring in obtaining such documents and the Depositor shall
cause each Servicer to be reimbursed for any such costs it may incur in
connection with performing its obligations under this Agreement. Subject to
Section 6.03(a), neither Servicer shall have any liability as a result of an
inability to service any Mortgage Loan due to its failure to receive any
documents missing from the Mortgage File or servicing file.
All
original documents relating to the Mortgage Loans that are not delivered to
the
Trustee (or the Custodian on behalf of the Trustee) are and shall be held by
or
on behalf of the related Originator, the Seller, the Depositor or the related
Servicer, as the case may be, in trust for the benefit of the Trustee on behalf
of the Certificateholders. In the event that any such original document is
required pursuant to the terms of this Section 2.01 to be a part of a Mortgage
File, such document shall be delivered promptly to the Trustee (or the Custodian
on behalf of the Trustee). Any such original document delivered to or held
by
the Depositor that is not required pursuant to the terms of this Section to
be a
part of a Mortgage File, shall be delivered promptly to the related
Servicer.
The
Depositor and the Trustee hereto understand and agree that it is not intended
that any Mortgage Loan be included in the Trust that is a “High-Cost Home Loan”
as defined by the Homeownership and Equity Protection Act of 1994 or any other
applicable predatory or abusive lending laws.
The
Depositor hereby directs the Trust
Administrator to
execute, deliver and perform its obligations under the Cap Contract, the
Interest Rate Swap Agreements (in its capacity as Supplemental Interest Trust
Trustee) and to assign any rights to receive payments from a Swap Provider
to
the Swap Administrator pursuant to the Swap Administration Agreement and the
Depositor further directs the Trust Administrator to execute, deliver and
perform its obligations under the Swap Administration Agreement. The Seller,
the
Depositor, the Servicers and the Holders of the Class A Certificates and the
Mezzanine Certificates by their acceptance of such Certificates acknowledge
and
agree that the Trust Administrator shall execute, deliver and perform its
obligations under the Cap Contract, the Interest Rate Swap Agreements and the
Swap Administration Agreement and shall do so solely in its capacity as Trust
Administrator or as Swap Administrator, as the case may be, and not in its
individual capacity. Every provision of this Agreement relating to the conduct
or affecting the liability of or affording protection to the Trust Administrator
shall apply to the Trust Administrator’s execution of the execution of the Cap
Contract, the Interest Rate Swap Agreements and the Swap Administration
Agreement, and the performance of its duties and satisfaction of its obligations
thereunder.
| SECTION 2.02. |
Acceptance
of REMIC I by Trustee.
|
The
Trustee acknowledges receipt (or receipt by the Custodian on behalf of the
Trustee), subject to the provisions of Section 2.01 and subject to any
exceptions noted on the exception report described in the next paragraph below,
of the documents referred to in Section 2.01 (other than such documents
described in Section 2.01(v)) above and all other assets included in the
definition of “REMIC I” under clauses (i), (iii), (iv) and (v) (to the extent of
amounts deposited into the Distribution Account) and declares that it holds
and
will hold such documents and the other documents delivered to it constituting
a
Mortgage File, and that it holds or will hold all such assets and such other
assets included in the definition of “REMIC I” in trust for the exclusive use
and benefit of all present and future Certificateholders.
The
Custodian on behalf of the Trustee agrees to execute and deliver to the
Depositor and the NIMS Insurer on or prior to the Closing Date an acknowledgment
of receipt of the original Mortgage Note (with any exceptions noted),
substantially in the form attached as Exhibit C-3 hereto.
The
Trustee (or the Custodian on behalf of the Trustee) agrees, for the benefit
of
the Certificateholders and the NIMS Insurer, to review each Mortgage File and,
within 45 days of the Closing Date, to certify in substantially the form
attached hereto as Exhibit C-1 that, as to each Mortgage Loan listed in the
Mortgage Loan Schedule (other than any Mortgage Loan paid in full or any
Mortgage Loan specifically identified in the exception report annexed thereto
as
not being covered by such certification), (i) all documents constituting part
of
such Mortgage File (other than such documents described in Section 2.01(v))
required to be delivered to it pursuant to this Agreement are in its possession,
(ii) such documents have been reviewed by it and appear regular on their face
and relate to such Mortgage Loan and (iii) based on its examination and only
as
to the foregoing, the information set forth in the Mortgage Loan Schedule that
corresponds to items (1), (3), (12), (15) and (18) of the definition of
“Mortgage Loan Schedule” accurately reflects information set forth in the
Mortgage File. It is herein acknowledged that, in conducting such review, the
Trustee (or the Custodian on behalf of the Trustee) is under no duty or
obligation (i) to inspect, review or examine any such documents, instruments,
certificates or other papers to determine whether they are genuine, enforceable,
or appropriate for the represented purpose or whether they have actually been
recorded or that they are other than what they purport to be on their face
or
(ii) to determine whether any Mortgage File should include any of the documents
specified in clause (v) of Section 2.01.
Prior
to
the first anniversary date of this Agreement, the Custodian on behalf of the
Trustee shall deliver to the Depositor, the NIMS Insurer, the Trustee, the
related Servicer and the Master Servicer a final certification in the form
annexed hereto as Exhibit C-2 evidencing the completeness of the Mortgage Files,
with any applicable exceptions noted thereon, and the related Servicer shall
forward a copy thereof to any Sub-Servicer.
If
in the
process of reviewing the Mortgage Files and making or preparing, as the case
may
be, the certifications referred to above, the Trustee (or the Custodian on
behalf of the Trustee) finds any document or documents constituting a part
of a
Mortgage File to be missing or defective in any material respect, at the
conclusion of its review the Trustee (or the Custodian on behalf of the Trustee)
shall so notify the Depositor, the NIMS Insurer, the Trustee, the related
Servicer and the Master Servicer. In addition, upon the discovery by the
Depositor, the NIMS Insurer, either Servicer or the Master Servicer of a breach
of any of the representations and warranties made by an Originator under the
related Master Agreement or the Seller in an Assignment Agreement in respect
of
any Mortgage Loan which materially adversely affects such Mortgage Loan or
the
interests of the related Certificateholders in such Mortgage Loan, the party
discovering such breach shall give prompt written notice to the other
parties.
The
Trustee (or the Custodian on behalf of the Trustee) shall provide, at the
written request and expense of any Certificateholder, provide a written report
to the Trust Administrator for forwarding to such Certificateholder of all
related Mortgage Files released to either Servicer for servicing
purposes.
The
Depositor and the Trustee intend that the assignment and transfer herein
contemplated constitute a sale of the Mortgage Loans, the related Mortgage
Notes
and the related documents, conveying good title thereto free and clear of any
liens and encumbrances, from the Depositor to the Trustee in trust for the
benefit of the Certificateholders and that such property not be part of the
Depositor’s estate or property of the Depositor in the event of any insolvency
by the Depositor. In the event that such conveyance is deemed to be, or to
be
made as security for, a loan, the parties intend that the Depositor shall be
deemed to have granted and does hereby grant to the Trustee a first priority
perfected security interest in all of the Depositor’s right, title and interest
in and to the Mortgage Loans, the related Mortgage Notes and the related
documents, and that this Agreement shall constitute a security agreement under
applicable law.
Notwithstanding
anything to the contrary contained herein, the parties hereto acknowledge that
the functions of the Trustee with respect to the custody, acceptance,
inspection, receipt and release of the Mortgage Files pursuant to Section 2.01,
2.02 and 2.03 and preparation and delivery of the acknowledgements of receipt
and the certifications required under such sections shall be performed by the
Custodian pursuant to the terms and conditions of this Agreement.
| SECTION 2.03. |
Repurchase
or Substitution of Mortgage Loans by an Originator or the
Seller.
|
(a) Upon
receipt of written notice from the Custodian of any materially defective
document in, or that a document is missing from, a Mortgage File or from the
Depositor, a Servicer, the Master Servicer, the Trust Administrator or the
Custodian of the breach by an Originator or the Seller of any representation,
warranty or covenant under the related Master Agreement or Assignment Agreement,
as applicable (including any representation, warranty or covenant regarding
the
Prepayment Charge Schedule), in respect of any Mortgage Loan that materially
adversely affects the value of such Mortgage Loan or the interest therein of
the
Certificateholders, the Trustee shall promptly notify such Originator, the
Trust
Administrator, the NIMS Insurer, the Seller, the related Servicer and the Master
Servicer of such defect, missing document or breach and request that the related
Originator or the Seller, as applicable, deliver such missing document or cure
such defect or breach within 90 days from the date such Originator or the
Seller, as applicable, was notified of such missing document, defect or breach,
and if the Trustee receives written notice from the Depositor, a Servicer,
the
Master Servicer, the Trust Administrator or the Custodian, that the related
Oroginator or the Seller, as applicable, has not delivered such missing document
or cured such defect or breach in all material respects during such period,
the
Trustee shall enforce the obligations of such Originator or the Seller, as
applicable, under the related Mater Agreement or Assignment Agreement to
repurchase such Mortgage Loan from REMIC I at the Purchase Price. The Purchase
Price for the repurchased Mortgage Loan shall be remitted to the related
Servicer for deposit in the related Collection Account and the Custodian on
behalf of the the Trustee, upon receipt of written certification from the
related Servicer of such deposit, shall release to the related Originator or
the
Seller, as applicable, the related Mortgage File and the Trustee shall execute
and deliver such instruments of transfer or assignment, in each case without
recourse, as the related
Originator or
the
Seller, as applicable, shall furnish to it and as shall be necessary to vest
in
such Originator or the Seller, as applicable, any Mortgage Loan released
pursuant hereto. In furtherance of the foregoing, if an Originator or the
Seller, as applicable, is not a member of MERS and repurchases a Mortgage Loan
which is registered on the MERS® System, the related Originator or the Seller,
as applicable, at its own expense and without any right of reimbursement, shall
cause MERS to execute and deliver an assignment of the Mortgage in recordable
form to transfer the Mortgage from MERS to the related Originator or the Seller,
as applicable, and shall cause such Mortgage to be removed from registration
on
the MERS® System in accordance with MERS’ rules and regulations. Neither the
Trustee nor the Custodian shall have any further responsibility with regard
to
such Mortgage File. In lieu of repurchasing any such Mortgage Loan as provided
above, if so provided in the related Master Agreement or Assignment Agreement,
an Originator or the Seller, as applicable, may cause such Mortgage Loan to
be
removed from REMIC I (in which case it shall become a Deleted Mortgage Loan)
and
substitute one or more Qualified Substitute Mortgage Loans in the manner and
subject to the limitations set forth in Section 2.03(b); provided, however,
the
related Originator or the Seller, as applicable, may not substitute a Qualified
Substitute Mortgage Loan for any Deleted Mortgage Loan that violates any
predatory or abusive lending law. It is understood and agreed that the
obligation of the Originators or the Seller, as applicable, to cure or to
repurchase (or to substitute for) any Mortgage Loan as to which a document
is
missing, a material defect in a constituent document exists or as to which
such
a breach has occurred and is continuing shall constitute the sole remedy
respecting such omission, defect or breach available to the Trustee and the
Certificateholders.
(b) Any
substitution of Qualified Substitute Mortgage Loans for Deleted Mortgage Loans
made pursuant to Section 2.03(a) must be effected prior to the date which
is two years after the Startup Day for REMIC I.
As
to any
Deleted Mortgage Loan for which an Originator or the Seller, as applicable,
substitutes a Qualified Substitute Mortgage Loan or Loans, such substitution
shall be effected by such Originator or the Seller, as applicable, delivering
to
the Trustee (or the Custodian on behalf of the Trustee), for such Qualified
Substitute Mortgage Loan or Loans, the Mortgage Note, the Mortgage, the
Assignment in blank or to the Custodian
on behalf of the Trustee,
and
such other documents and agreements, with all necessary endorsements thereon,
as
are required by Section 2.01, together with an Officers’ Certificate providing
that each such Qualified Substitute Mortgage Loan satisfies the definition
thereof and specifying the Substitution Adjustment Amount (as described below),
if any, in connection with such substitution. The Custodian on behalf of the
Trustee shall acknowledge receipt for such Qualified Substitute Mortgage Loan
or
Loans and, within ten Business Days thereafter, review such documents as
specified in Section 2.02 and deliver to the Depositor, the NIMS Insurer and
the
related Servicer, with respect to such Qualified Substitute Mortgage Loan or
Loans, a certification substantially in the form attached hereto as Exhibit
C-1,
with any applicable exceptions noted thereon. Within one year of the date of
substitution, the Custodian on behalf of the Trustee shall deliver to the
Depositor, the NIMS Insurer and the related Servicer a certification
substantially in the form of Exhibit C-2 hereto with respect to such Qualified
Substitute Mortgage Loan or Loans, with any applicable exceptions noted thereon.
Monthly Payments due with respect to Qualified Substitute Mortgage Loans in
the
month of substitution are not part of REMIC I and will be retained by the
related Originator or the Seller, as applicable. For the month of substitution,
distributions to Certificateholders will reflect the Monthly Payment due on
such
Deleted Mortgage Loan on or before the Due Date in the month of substitution,
and the related Originator or the Seller, as applicable, shall thereafter be
entitled to retain all amounts subsequently received in respect of such Deleted
Mortgage Loan. The Depositor shall give or cause to be given written notice
to
the Certificateholders and the NIMS Insurer that such substitution has taken
place, shall amend the Mortgage Loan Schedule to reflect the removal of such
Deleted Mortgage Loan from the terms of this Agreement and the substitution
of
the Qualified Substitute Mortgage Loan or Loans and shall deliver a copy of
such
amended Mortgage Loan Schedule to the Master Servicer, the Trust Administrator,
the Trustee, the Custodian, the Servicers and the NIMS Insurer. Upon such
substitution, such Qualified Substitute Mortgage Loan or Loans shall constitute
part of the Mortgage Pool and shall be subject in all respects to the terms
of
this Agreement and the related Master Agreement or Assignment Agreement, as
applicable, including, all applicable representations and warranties thereof
included therein.
For
any
month in which an Originator or the Seller, as applicable, substitutes one
or
more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans,
the related Servicer will determine the amount (the “Substitution Adjustment
Amount”), if any, by which the aggregate Purchase Price of all such Deleted
Mortgage Loans exceeds the aggregate of, as to each such Qualified Substitute
Mortgage Loan, the Stated Principal Balance thereof as of the date of
substitution, together with one month’s interest on such Stated Principal
Balance at the applicable Net Mortgage Rate, plus all outstanding Advances
and
Servicing Advances (including Nonrecoverable Advances and Nonrecoverable
Servicing Advances) related thereto. On the date of such substitution, the
related Originator or the Seller, as applicable, will deliver or cause to be
delivered to the related Servicer for deposit in the related Collection Account
an amount equal to the Substitution Adjustment Amount, if any, and the Custodian
on behalf of the Trustee, upon receipt of the related Qualified Substitute
Mortgage Loan or Loans and written notice by the related Servicer of such
deposit, shall release to the related Originator or the Seller, as applicable,
the related Mortgage File or Files and the Trustee shall execute and deliver
such instruments of transfer or assignment, in each case without recourse,
the
related Originator or the Seller, as applicable, shall deliver to it and as
shall be necessary to vest therein any Deleted Mortgage Loan released pursuant
hereto.
In
addition, the related Originator or the Seller, as applicable, shall obtain
at
its own expense and deliver to the Trustee, the Trust Administrator and the
NIMS
Insurer an Opinion of Counsel to the effect that such substitution will not
cause (a) any federal tax to be imposed on any Trust REMIC, including without
limitation, any federal tax imposed on “prohibited transactions” under Section
860F(a)(1) of the Code or on “contributions after the startup date” under
Section 860G(d)(1) of the Code, or (b) any Trust REMIC to fail to qualify as
a
REMIC at any time that any Certificate is outstanding.
(c) Upon
discovery by the Depositor, either Servicer, the NIMS Insurer, any Originator,
the Seller, the Master Servicer or the Trust Administrator that any Mortgage
Loan does not constitute a “qualified mortgage” within the meaning of Section
860G(a)(3) of the Code, the party discovering such fact shall within two
Business Days give written notice thereof to the other parties hereto and the
Trustee shall give written notice to the related Originator and the Seller.
In
connection therewith, the related Originator, the Seller or the Depositor shall
repurchase or, subject to the limitations set forth in Section 2.03(b),
substitute one or more Qualified Substitute Mortgage Loans for the affected
Mortgage Loan within 90 days of the earlier of discovery or receipt of such
notice with respect to such affected Mortgage Loan. Such repurchase or
substitution shall be made by (i) the related Originator or the Seller, as
the
case may be, if the affected Mortgage Loan’s status as a non-qualified mortgage
is or results from a breach of any representation, warranty or covenant made
by
such Originator or the Seller, as the case may be, under the related Master
Agreement or Assignment Agreement, or (ii) the Depositor, if the affected
Mortgage Loan’s status as a non-qualified mortgage is a breach of no
representation or warranty. Any such repurchase or substitution shall be made
in
the same manner as set forth in Section 2.03(a). The Trustee shall reconvey
to
the Depositor, the related Originator or the Seller, as the case may be, the
Mortgage Loan to be released pursuant hereto in the same manner, and on the
same
terms and conditions, as it would a Mortgage Loan repurchased for breach of
a
representation or warranty.
| SECTION 2.04. |
Reserved.
|
| SECTION 2.05. |
Representations,
Warranties and Covenants of the Servicers and the Master
Servicer.
|
(a) Each
Servicer hereby represents, warrants and covenants to the Trust Administrator
and the Trustee, for the benefit of each of the Trustee, the Trust
Administrator, the Certificateholders and to the Depositor that as of the
Closing Date or as of such date specifically provided herein:
(i) Such
Servicer is a national banking association duly formed, validly existing and
in
good standing under the laws of the United States of America and is duly
authorized and qualified to transact any and all business contemplated by this
Agreement to be conducted by such Servicer;
(ii) Such
Servicer has the full power and authority to conduct its business as presently
conducted by it and to execute, deliver and perform, and to enter into and
consummate, all transactions contemplated by this Agreement. Such Servicer
has
duly authorized the execution, delivery and performance of this Agreement,
has
duly executed and delivered this Agreement, and this Agreement, assuming the
due
authorization, execution and delivery thereof by the Trustee, the Depositor,
the
Master Servicer and the Trust Administrator, constitutes a legal, valid and
binding obligation of such Servicer, enforceable against such Servicer in
accordance with its terms except as the enforceability thereof may be limited
by
bankruptcy, insolvency, reorganization or similar laws affecting the enforcement
of creditors' rights generally, laws affecting the contract obligations of
insured banks and by general principles of equity;
(iii) The
execution and delivery of this Agreement by such Servicer, the servicing of
the
related Mortgage Loans by such Servicer hereunder, the consummation by such
Servicer of any other of the transactions herein contemplated, and the
fulfillment of or compliance with the terms hereof are in the ordinary course
of
business of such Servicer and will not (A) result in a breach of any term or
provision of the charter of by-laws of such Servicer or (B) conflict with,
result in a breach, violation or acceleration of, or result in a default under,
the terms of any other material agreement or instrument to which such Servicer
is a party or by which it may be bound, or any statute, order or regulation
applicable to such Servicer of any court, regulatory body, administrative agency
or governmental body having jurisdiction over such Servicer; and such Servicer
is not a party to, bound by, or in breach or violation of any indenture or
other
agreement or instrument, or subject to or in violation of any statute, order
or
regulation of any court, regulatory body, administrative agency or governmental
body having jurisdiction over it, which materially and adversely affects or,
to
such Servicer's knowledge, would in the future materially and adversely affect,
(x) the ability of the Servicer to perform its obligations under this Agreement,
(y) the business, operations, financial condition, properties or assets of
such
Servicer taken as a whole or (z) the legality, validity or enforceability of
this Agreement;
(iv) JPMorgan
is an approved seller/servicer for ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac in good standing
and ▇▇▇▇▇ Fargo is a HUD approved mortgagee pursuant to Section 203 and Section
211 of the National Housing Act and is an approved seller/servicer for ▇▇▇▇▇▇
▇▇▇ or ▇▇▇▇▇▇▇ Mac in good standing. No event has occurred, including but not
limited to a change in insurance coverage, that would make ▇▇▇▇▇ Fargo unable
to
comply with HUD eligibility requirements or that would require notification
to
HUD;
(v) Such
Servicer does not believe, nor does it have any reason or cause to believe,
that
it cannot perform each and every covenant made by it and contained in this
Agreement;
(vi) No
litigation is pending against such Servicer that would materially and adversely
affect the execution, delivery or enforceability of this Agreement or the
ability of such Servicer to service the Mortgage Loans serviced by it or to
perform any of its other obligations hereunder in accordance with the terms
hereof
(vii) There
are
no actions or proceedings against, or investigations known to it of, such
Servicer before any court, administrative or other tribunal (A) that might
prohibit its entering into this Agreement, (B) seeking to prevent the
consummation of the transactions contemplated by this Agreement or (C) that
might prohibit or materially and adversely affect the performance by such
Servicer of its obligations under, or the validity or enforceability of, this
Agreement;
(viii) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for the execution, delivery and performance by such Servicer
of, or compliance by such Servicer with, this Agreement or the consummation
by
it of the transactions contemplated by this Agreement, except for such consents,
approvals, authorizations or orders, if any, that have been obtained prior
to
the Closing Date;
(ix) Such
Servicer has fully furnished and will continue to fully furnish, in accordance
with the Fair Credit Reporting Act and its implementing regulations, accurate
and complete information (e.g., favorable and unfavorable) on its borrower
credit files to Equifax, Experian and Trans Union Credit Information Company
or
their successors (the “Credit Repositories”) in a timely manner; and
(x) Such
Servicer is a member of MERS in good standing, and will comply in all material
respects with the rules and procedures of MERS in connection with the servicing
of the Mortgage Loans that are registered with MERS.
It
is
understood and agreed that the representations, warranties and covenants set
forth in this Section 2.05 shall survive delivery of the Mortgage Files to
the
Custodian on behalf of the Trustee and shall inure to the benefit of the
Trustee, the Trust Administrator, the Depositor and the Certificateholders.
Upon
discovery by any of the Depositor, the Servicer, the Trust Administrator or
the
Trustee of a breach of any of the foregoing representations, warranties and
covenants which materially and adversely affects the value of any Mortgage
Loan
or the interests therein of the Certificateholders, the party discovering such
breach shall give prompt written notice (but in no event later than two Business
Days following such discovery) to the Trustee and the Trust Administrator.
Subject to Section 7.01(a), the obligation of each Servicer set forth in Section
2.03(c) to cure breaches shall constitute the sole remedies against the
Servicers available to the Certificateholders, the Depositor, the Trust
Administrator or the Trustee on behalf of the Certificateholders respecting
a
breach of the representations, warranties and covenants contained in this
Section 2.05.
(b) The
Master Servicer hereby represents, warrants and covenants to the Trustee, for
the benefit of each of the Trustee and the Certificateholders, and to the
Servicer and the Depositor that as of the Closing Date or as of such date
specifically provided herein:
(i) The
Master Servicer is a national banking association duly formed, validly existing
and in good standing under the laws of the United States of America and is
duly
authorized and qualified to transact any and all business contemplated by this
Agreement to be conducted by the Master Servicer;
(ii) The
Master Servicer has the full power and authority to conduct its business as
presently conducted by it and to execute, deliver and perform, and to enter
into
and consummate, all transactions contemplated by this Agreement. The Master
Servicer has duly authorized the execution, delivery and performance of this
Agreement, has duly executed and delivered this Agreement, and this Agreement,
assuming due authorization, execution and delivery by the Depositor and the
Trustee, constitutes a legal, valid and binding obligation of the Master
Servicer, enforceable against it in accordance with its terms except as the
enforceability thereof may be limited by bankruptcy, insolvency, reorganization
or similar laws affecting the enforcement of creditors’ rights generally and by
general principles of equity;
(iii) The
execution and delivery of this Agreement by the Master Servicer, the
consummation by the Master Servicer of any other of the transactions herein
contemplated, and the fulfillment of or compliance with the terms hereof are
in
the ordinary course of business of the Master Servicer and will not (A) result
in a breach of any term or provision of charter and by-laws of the Master
Servicer or (B) conflict with, result in a breach, violation or acceleration
of,
or result in a default under, the terms of any other material agreement or
instrument to which the Master Servicer is a party or by which it may be bound,
or any statute, order or regulation applicable to the Master Servicer of any
court, regulatory body, administrative agency or governmental body having
jurisdiction over the Master Servicer; and the Master Servicer is not a party
to, bound by, or in breach or violation of any indenture or other agreement
or
instrument, or subject to or in violation of any statute, order or regulation
of
any court, regulatory body, administrative agency or governmental body having
jurisdiction over it, which materially and adversely affects or, to the Master
Servicer’s knowledge, would in the future materially and adversely affect, the
ability of the Master Servicer to perform its obligations under this
Agreement;
(iv) The
Master Servicer or an Affiliate thereof is an approved seller/servicer for
▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac in good standing and is a HUD approved mortgagee
pursuant to Section 203 of the National Housing Act;
(v) The
Master Servicer does not believe, nor does it have any reason or cause to
believe, that it cannot perform each and every covenant made by it and contained
in this Agreement;
(vi) No
litigation is pending against the Master Servicer that would materially and
adversely affect the execution, delivery or enforceability of this Agreement
or
the ability of the Master Servicer to perform any of its other obligations
hereunder in accordance with the terms hereof,
(vii) There
are
no actions or proceedings against, or investigations known to it of, the Master
Servicer before any court, administrative or other tribunal (A) that might
prohibit its entering into this Agreement, (B) seeking to prevent the
consummation of the transactions contemplated by this Agreement or (C) that
might prohibit or materially and adversely affect the performance by the Master
Servicer of its obligations under, or validity or enforceability of, this
Agreement;
(viii) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for the execution, delivery and performance by the Master
Servicer of, or compliance by the Master Servicer with, this Agreement or the
consummation of the transactions contemplated by this Agreement, except for
such
consents, approvals, authorizations or orders, if any, that have been obtained
prior to the Closing Date.
It
is
understood and agreed that the representations, warranties and covenants set
forth in this Section 2.05 shall survive delivery of the Mortgage Files to
the Trust Administrator, the Trustee or the Custodian, as applicable and shall
inure to the benefit of the Trustee, the Depositor and the Certificateholders.
Upon discovery by any of the Depositor, the Servicer, the Master Servicer,
the
NIMS Insurer or the Trustee of a breach of any of the foregoing representations,
warranties and covenants which materially and adversely affects the value of
any
Mortgage Loan or the interests therein of the Certificateholders, the party
discovering such breach shall give prompt written notice (but in no event later
than two Business Days following such discovery) to other parties to this
Agreement.
| SECTION 2.06. |
Conveyance
of REMIC Regular Interests and Acceptance of REMIC I, REMIC II, REMIC
III, REMIC IV, REMIC V, REMIC VI and REMIC VII by the Trustee; Issuance
of
Certificates.
|
(a) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the assets
described in the definition of REMIC I for the benefit of the Holders of the
REMIC I Regular Interests (which are uncertificated) and the Class R
Certificates (in respect of the Class R-I Interest). The Trustee acknowledges
receipt of the assets described in the definition of REMIC I and declares that
it holds and will hold the same in trust for the exclusive use and benefit
of
the holders of the REMIC I Regular Interests and the Class R Certificates (in
respect of the Class R-I Interest). The interests evidenced by the Class R-I
Interest, together with the REMIC I Regular Interests, constitute the entire
beneficial ownership interest in REMIC I.
(b) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the REMIC
I Regular Interests (which are uncertificated) for the benefit of the Holders
of
the REMIC II Regular Interests (which are uncertificated) and the Class R
Certificates (in respect of the Class R-II Interest). The Trustee acknowledges
receipt of the REMIC I Regular Interests and declares that it holds and will
hold the same in trust for the exclusive use and benefit of the Holders of
the
REMIC II Regular Interests and the Class R Certificates (in respect of the
Class
R-II Interest). The interests evidenced by the Class R-II Interest, together
with the REMIC II Regular Interests, constitute the entire beneficial ownership
interest in REMIC II.
(c) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the REMIC
II Regular Interests (which are uncertificated) for the benefit of the Holders
of the REMIC III Regular Interests and the Class R Certificates (in respect
of
the Class R-III Interest). The Trustee acknowledges receipt of the REMIC II
Regular Interests and declares that it holds and will hold the same in trust
for
the exclusive use and benefit of the Holders of the REMIC III Regular Interests
and the Class R Certificates (in respect of the Class R-III Interest). The
interests evidenced by the Class R-III Interest, together with the Regular
Certificates (other than the Class CE Certificates and the Class P
Certificates), the Class CE Interest, the Class P Interest, the Class Swap-IO-1
Interest and the Class SWAP-IO-2 Interest, constitute the entire beneficial
ownership interest in REMIC III.
(d) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the Class
CE Interest (which is uncertificated) for the benefit of the Holders of the
Class CE Certificates and the Class R-X Certificates (in respect of the Class
R-IV Interest). The Trustee acknowledges receipt of the Class CE Interest and
declares that it holds and will hold the same in trust for the exclusive use
and
benefit of the Holders of the Class CE Certificates and the Class R-X
Certificates (in respect of the Class R-IV Interest). The interests evidenced
by
the Class R-IV Interest, together with the Class CE Certificates, constitute
the
entire beneficial ownership interest in REMIC IV.
(e) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the Class
P Interest (which is uncertificated) for the benefit of the Holders of the
Class
P Certificates and the Class R-X Certificates (in respect of the Class R-V
Interest). The Trustee acknowledges receipt of the Class P Interest and declares
that it holds and will hold the same in trust for the exclusive use and benefit
of the Holders of the Class P Certificates and the Class R-X Certificates (in
respect of the Class R-V Interest). The interests evidenced by the Class R-V
Interest, together with the Class P Certificates, constitute the entire
beneficial ownership interest in REMIC V.
(f) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the Class
Swap-IO-1 Interest (which is uncertificated) for the benefit of the Holders
of
REMIC VI Regular Interest SWAP -IO-1 and the Class R-X Certificates (in respect
of the Class R-VI Interest). The Trustee acknowledges receipt of the Class
Swap-IO-1 Interest and declares that it holds and shall hold the same in trust
for the exclusive use and benefit of the Holders of REMIC VI Regular Interest
SWAP -IO-1 and the Class R-X Certificates (in respect of the Class R-VI
Interest). The interests evidenced by the Class R-VI Interest, together with
REMIC VI Regular Interest SWAP-IO-1, constitute the entire beneficial ownership
interest in REMIC VI.
(g) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the Class
Swap-IO-2 Interest (which is uncertificated) for the benefit of the Holders
of
REMIC VII Regular Interest SWAP-IO-2 and the Class R-X Certificates (in respect
of the Class R-VII Interest). The Trustee acknowledges receipt of the Class
Swap-IO-2 Interest and declares that it holds and shall hold the same in trust
for the exclusive use and benefit of the Holders of REMIC VII Regular Interest
SWAP-IO-2 and the Class R-X Certificates (in respect of the Class R-VII
Interest). The interests evidenced by the Class R-VII Interest, together with
REMIC VII Regular Interest SWAP-IO-2, constitute the entire beneficial ownership
interest in REMIC VII.
| SECTION 2.07. |
Issuance
of Class R Certificates and Class R-X
Certificates.
|
(a) The
Trustee acknowledges the assignment to it of the REMIC I Regular Interests
and
REMIC II Regular Interests and, concurrently therewith and in exchange therefor,
pursuant to the written request of the Depositor executed by an officer of
the
Depositor, the Trustee has executed, authenticated and delivered to or upon
the
order of the Depositor, the Class R Certificates in authorized denominations.
The interests evidenced by the Class R Certificates (in respect of the Class
R-III Interest), together with the REMIC III Certificates, the Class CE
Interest, the Class P Interest, the Class Swap-IO-1 Interest and the Class
Swap-IO-2 Interest, constitute the entire beneficial ownership interest in
REMIC
III.
(b) The
Trustee acknowledges the assignment to it of the Class CE Interest, the Class
P
Interest, the Class Swap-IO-1 Interest and the Class Swap-IO-2 Interest,
concurrently therewith and in exchange therefor, pursuant to the written request
of the Depositor executed by an officer of the Depositor, the Trustee has
executed, authenticated and delivered to or upon the order of the Depositor,
the
Class R-X Certificates in authorized denominations. The interests evidenced
by
the Class R-X Certificates, together with the Class CE Certificates, the Class
P
Certificates, the REMIC VI Regular Interest SWAP-IO-1 and the REMIC VII Regular
Interest SWAP-IO-2 constitute the entire beneficial ownership interest in REMIC
IV, REMIC V, REMIC VI and REMIC VII.
ARTICLE
III
ADMINISTRATION
AND SERVICING
OF
THE
MORTGAGE LOANS
| SECTION 3.01. |
Servicer
to Act as Servicer.
|
Unless
otherwise specified, all references to actions to be taken by “the Servicer”
under this Article III or any other provision of this Agreement with respect
to
a Mortgage Loan or Mortgage Loans or with respect to an REO Property or REO
Properties shall be to actions to be taken or previously taken by the related
Servicer with respect to a Mortgage Loan or Mortgage Loans serviced thereby
or
with respect to an REO Property or REO Properties administered
thereby.
Furthermore, unless otherwise specified, all references to actions to be taken
or previously taken by “the Servicer” under this Article III or any other
provision of this Agreement with respect to “the Collection Account” or “the
Servicing Account” shall be to actions to be taken or previously taken by each
Servicer with respect to the Collection Account or the Escrow Account to be
established and maintained thereby. Consistent with the foregoing, but only
insofar as the context so permits, this Article III is to be read with respect
to each Servicer as if such Servicer alone was servicing and administering
its
respective Mortgage Loans hereunder.
▇▇▇▇▇
Fargo shall service and administer the ▇▇▇▇▇ Fargo Mortgage Loans on behalf
of
the Trust Fund and in the best interests of and for the benefit of the
Certificateholders (as determined by the Servicer in its reasonable judgment)
in
accordance with the terms of this Agreement and the respective Mortgage Loans
and, to the extent consistent with such terms, in the same manner in which
it
services and administers similar mortgage loans for its own portfolio, giving
due consideration to customary and usual standards of practice of prudent
mortgage lenders and loan servicers administering similar mortgage loans but
without regard to:
(i) any
relationship that the Servicer, any Sub-Servicer or any Affiliate of the
Servicer or any Sub-Servicer may have with the related Mortgagor;
(ii) the
ownership or non-ownership of any Certificate by the Servicer or any Affiliate
of the Servicer;
(iii) the
Servicer’s obligation to make Advances or Servicing Advances; or
(iv) the
Servicer’s or any Sub-Servicer’s right to receive compensation for its services
hereunder or with respect to any particular transaction.
JPMorgan
shall service and administer the JPMorgan Mortgage Loans on behalf of the Trust
Fund and in the best interests of and for the benefit of the Certificateholders
(as determined by JPMorgan in its reasonable judgment) in accordance with the
JPMorgan Servicing Standard and the respective Mortgage Loans.
To
the
extent consistent with the foregoing, the Servicer (a) shall seek to maximize
the timely and complete recovery of principal and interest on the Mortgage
Notes
and (b) shall waive (or permit a Sub-Servicer to waive) a Prepayment Charge
only
under the following circumstances: (i) such waiver is standard and customary
in
servicing similar mortgage loans and such waiver relates to a default or a
reasonably foreseeable default and would, in the reasonable judgment of the
Servicer, maximize recovery of total proceeds taking into account the value
of
such Prepayment Charge and the related Mortgage Loan, (ii) the collection of
such Prepayment Charge would be in violation of applicable laws, (iii) the
amount of the Prepayment Charge set forth on the Prepayment Charge Schedule
is
not consistent with the related Mortgage Note or is otherwise unenforceable,
(iv) the collection of such Prepayment Charge would be considered “predatory”
pursuant to written guidance published or issued by any applicable federal,
state or local regulatory authority acting in its official capacity and having
jurisdiction over such matters or (v) the Servicer has not received information
and documentation sufficient to confirm the existence or amount of such
Prepayment Charge. If a Prepayment Charge is waived as permitted by meeting
the
standard described in clauses (ii), (iii), (iv) or (v) above, then the Trustee
(upon receipt of written notice from the Servicer that such waiver has occurred)
shall enforce the obligation of the related Originator to pay the amount of
such
waived Prepayment Charge to the Trust Administrator for deposit in the
Distribution Account for the benefit of the Holders of the Class P Certificates
(the “Originator Prepayment Charge Payment Amount”). If a Prepayment Charge is
waived other than in accordance with (i) through (v) above, the Servicer shall
pay the amount of such waived Prepayment Charge to the Trust Administrator
for
deposit in the Distribution Account for the benefit of the Holders of the Class
P Certificates (the “Servicer Prepayment Charge Payment Amount”).
To
the
extent consistent with the foregoing, the Servicer shall also seek to maximize
the timely and complete recovery of principal and interest on the Mortgage
Notes. Subject only to the above-described servicing standards (with respect
to
▇▇▇▇▇ Fargo) or to the JPMorgan
Servicing Standard (with respect to JPMorgan) and
the
terms of this Agreement and of the respective Mortgage Loans, the Servicer
shall
have full power and authority, acting alone or through Sub-Servicers as provided
in Section 3.02, to do or cause to be done any and all things in connection
with
such servicing and administration which it may deem necessary or desirable.
Without limiting the generality of the foregoing, the Servicer in its own name
or in the name of a Sub-Servicer is hereby authorized and empowered by the
Trustee when the Servicer believes it appropriate in its best judgment in
accordance with the servicing standards set forth above (with respect to ▇▇▇▇▇
Fargo) and with the JPMorgan Servicing Standard (with respect to JPMorgan),
to
execute and deliver, on behalf of the Certificateholders and the Trustee, and
upon notice to the Trustee any and all instruments of satisfaction or
cancellation, or of partial or full release or discharge, and all other
comparable instruments, with respect to the Mortgage Loans and the Mortgaged
Properties and to institute foreclosure proceedings or obtain a deed-in-lieu
of
foreclosure so as to convert the ownership of such properties, and to hold
or
cause to be held title to such properties, on behalf of the Trustee and
Certificateholders. The Servicer shall service and administer the Mortgage
Loans
in accordance with applicable state and federal law and shall provide to the
Mortgagors any reports required to be provided to them thereby. The Servicer
shall also comply in the performance of this Agreement with all reasonable
rules
and requirements of any standard hazard insurance policy. Subject to Section
3.17, the Trustee shall execute, at the written request of the Servicer, and
furnish to the Servicer and any Sub-Servicer such documents as are necessary
or
appropriate to enable the Servicer or any Sub-Servicer to carry out their
servicing and administrative duties hereunder, and the Trustee hereby grants
to
the Servicer a power of attorney to carry out such duties. The Trustee shall
not
be liable for the actions of the Servicer or any Sub-Servicers under such powers
of attorney.
In
accordance with the standards of the preceding paragraph, the Servicer shall
advance or cause to be advanced funds as necessary for the purpose of effecting
the timely payment of taxes and assessments on the Mortgaged Properties, which
advances shall be Servicing Advances reimbursable in the first instance from
related collections from the Mortgagors pursuant to Section 3.09, and further
as
provided in Section 3.11. Any cost incurred by the Servicer or by Sub-Servicers
in effecting the timely payment of taxes and assessments on a Mortgaged Property
shall not, for the purpose of calculating distributions to Certificateholders,
be added to the unpaid principal balance of the related Mortgage Loan,
notwithstanding that the terms of such Mortgage Loan so permit provided,
however, that (subject to Section 3.07) the Servicer may capitalize the amount
of any Servicing Advances incurred pursuant to this Section 3.01 in connection
with the modification of a Mortgage Loan.
The
Servicer further is authorized and empowered by the Trustee, on behalf of the
Certificateholders and the Trustee, in its own name or in the name of the
Sub-Servicer (but not at its expense), when the Servicer or the Sub-Servicer,
as
the case may be, believes it is appropriate in its best judgment to register
any
Mortgage Loan on the MERS System, or cause the removal from the registration of
any Mortgage Loan on the MERS System, to execute and deliver, on behalf of
the
Trustee and the Certificateholders or any of them, any and all instruments
of
assignment and other comparable instruments with respect to such assignment
or
re-recording of a Mortgage in the name of MERS, solely as nominee for the
Trustee and its successors and assigns. Any reasonable expenses (i) incurred
as
a result of MERS discontinuing or becoming unable to continue operations in
connection with the MERS System or (ii) if the affected Mortgage Loan is in
default or, in the judgment of the Servicer, such default is reasonably
foreseeable, incurred in connection with the actions described in the preceding
sentence, shall be subject to withdrawal by the Servicer from the Collection
Account.
Notwithstanding
anything in this Agreement to the contrary, the Servicer may not make any future
advances with respect to a Mortgage Loan (except as provided in Section 4.03)
and the Servicer shall not (i) permit any modification with respect to any
Mortgage Loan (except with respect to a Mortgage Loan that is in default or,
in
the judgment of the Servicer, such default is reasonably foreseeable) that
would
change the Mortgage Rate, reduce or increase the principal balance (except
for
reductions resulting from actual payments of principal) or change the final
maturity date on such Mortgage Loan or (ii) permit any modification, waiver
or
amendment of any term of any Mortgage Loan that would both (A) effect an
exchange or reissuance of such Mortgage Loan under Section 1001 of the Code
(or
final, temporary or proposed Treasury regulations promulgated thereunder) and
(B) cause any REMIC to fail to qualify as a REMIC under the Code or the
imposition of any tax on “prohibited transactions” or “contributions after the
startup date” under the REMIC Provisions.
Notwithstanding
anything in this Agreement to the contrary and notwithstanding its ability
to do
so pursuant to the terms of the related mortgage note, the Servicer shall not
be
required to enforce any provision in any mortgage note the enforcement of which
would violate federal, state or local laws or ordinances designed to discourage
predatory lending practices.
The
Servicer may delegate its responsibilities under this Agreement; provided,
however, that no such delegation shall release the Servicer from the
responsibilities or liabilities arising under this Agreement.
| SECTION 3.02. |
Sub-Servicing
Agreements Between Servicer and
Sub-Servicers.
|
(a) The
Servicer may enter into Sub-Servicing Agreements (provided that such agreements
would not result in a withdrawal or a downgrading by the Rating Agencies of
the
rating on any Class of Certificates) with Sub-Servicers, for the servicing
and
administration of the Mortgage Loans; provided, however, that (i) such
sub-servicing arrangement and the terms of the related Sub-Servicing Agreement
must provide for the servicing of Mortgage Loans in a manner consistent with
the
servicing arrangement contemplated hereunder and (ii) the NIMS Insurer shall
have consented to such Sub-Servicing Agreement.
As
of the
Closing Date, JPMorgan has engaged CHF to act as a Sub-Servicer with respect
to
JPMorgan’s servicing obligations under this Agreement. So long as JPMorgan is
not a ranked servicer by the Rating Agencies, JPMorgan agrees that prior to
replacing CHF as a Sub-Servicer, other than with an Affiliate of JPMorgan that
is a ranked servicer, it will obtain written confirmation from each Rating
Agency that such replacement of CHF as Sub-Servicer with respect to JPMorgan’s
servicing obligations related to the JPMorgan Mortgage Loans will not cause
the
current rating on the Certificates to be withdrawn or lowered by the Rating
Agencies and any replacement Sub-Servicer shall sub-service in accordance with
the terms of this Agreement, including but not limited to the consideration
of
whether to waive a Prepayment Charge hereunder.
(b) Each
Sub-Servicer shall be (i) authorized to transact business in the state or states
in which the related Mortgaged Properties it is to service are situated, if
and
to the extent required by applicable law to enable the Sub-Servicer to perform
its obligations hereunder and under the Sub-Servicing Agreement and (ii) a
▇▇▇▇▇▇▇ Mac or ▇▇▇▇▇▇ Mae approved mortgage servicer. Each Sub-Servicing
Agreement must impose on the Sub-Servicer requirements conforming to the
provisions set forth in Section 3.08, 3.20, 3.21 and 4.06 and provide for
servicing of the Mortgage Loans consistent with the terms of this Agreement.
The
Servicer will examine each Sub-Servicing Agreement and will be familiar with
the
terms thereof. The terms of any Sub-Servicing Agreement will not be inconsistent
with any of the provisions of this Agreement. The Servicer and the Sub-Servicers
may enter into and make amendments to the Sub-Servicing Agreements or enter
into
different forms of Sub-Servicing Agreements; provided, however, that any such
amendments or different forms shall be consistent with and not violate the
provisions of this Agreement, and that no such amendment or different form
shall
be made or entered into which could be reasonably expected to be materially
adverse to the interests of the Certificateholders, without the consent of
the
Holders of Certificates entitled to at least 66% of the Voting Rights. Any
variation without the consent of the Holders of Certificates entitled to at
least 66% of the Voting Rights from the provisions set forth in Section 3.08
(relating to insurance or priority requirements of Sub-Servicing Accounts,
or
credits and charges to the Sub- Servicing Accounts or the timing and amount
of
remittances by the Sub-Servicers to the Servicer), Section 3.20 or Section
3.21,
are conclusively deemed to be inconsistent with this Agreement and therefore
prohibited. The Servicer shall deliver to the Trustee and the Trust
Administrator, the Master Servicer and the NIMS Insurer copies of all
Sub-Servicing Agreements, and any amendments or modifications thereof, promptly
upon the Servicer’s execution and delivery of such instruments.
(c) As
part
of its servicing activities hereunder, the Servicer (except as otherwise
provided in the last sentence of this paragraph), for the benefit of the Trustee
and the Certificateholders, shall enforce the obligations of each Sub-Servicer
under the related Sub-Servicing Agreement, including, without limitation, any
obligation of a Sub-Servicer to make advances in respect of delinquent payments
as required by a Sub-Servicing Agreement. Such enforcement, including, without
limitation, the legal prosecution of claims, termination of Sub-Servicing
Agreements, and the pursuit of other appropriate remedies, shall be in such
form
and carried out to such an extent and at such time as the Servicer, in its
good
faith business judgment, would require were it the owner of the related Mortgage
Loans. The Servicer shall pay the costs of such enforcement at its own expense,
and shall be reimbursed therefor only (i) from a general recovery resulting
from
such enforcement, to the extent, if any, that such recovery exceeds all amounts
due in respect of the related Mortgage Loans, or (ii) from a specific recovery
of costs, expenses or attorneys’ fees against the party against whom such
enforcement is directed.
| SECTION 3.03. |
Successor
Sub-Servicers.
|
The
Servicer, with the consent of the NIMS Insurer, (provided, however, that consent
of the NIMS Insurer shall not be required with respect to the Sub-Servicing
Agreement between JPMorgan and CHF), shall be entitled to terminate any
Sub-Servicing Agreement and the rights and obligations of any Sub-Servicer
pursuant to any Sub-Servicing Agreement in accordance with the terms and
conditions of such Sub-Servicing Agreement. In the event of termination of
any
Sub-Servicer, all servicing obligations of such Sub-Servicer shall be assumed
simultaneously by the Servicer without any act or deed on the part of such
Sub-Servicer or the Servicer, and the Servicer either shall service directly
the
related Mortgage Loans or shall enter into a Sub-Servicing Agreement with a
successor Sub-Servicer which qualifies under Section 3.02.
Any
Sub-Servicing Agreement shall include the provision that such agreement may
be
immediately terminated by the Master Servicer (if the Master Servicer is acting
as Servicer) without fee, in accordance with the terms of this Agreement, in
the
event that the Servicer (or the Master Servicer, if it is then acting as
Servicer) shall, for any reason, no longer be the Servicer (including
termination due to a Servicer Event of Default).
| SECTION 3.04. |
Liability
of the Servicer.
|
Each
Servicer shall be liable in accordance herewith only to the extent of the
obligations specifically imposed by this Agreement and undertaken hereunder
by
the related Servicer herein.
Notwithstanding
any Sub-Servicing Agreement, any of the provisions of this Agreement relating
to
agreements or arrangements between the Servicer and a Sub-Servicer or reference
to actions taken through a Sub-Servicer or otherwise, the Servicer shall remain
obligated and primarily liable to the Trustee and the Certificateholders for
the
servicing and administering of the Mortgage Loans in accordance with the
provisions of Section 3.01 without diminution of such obligation or liability
by
virtue of such Sub-Servicing Agreements or arrangements or by virtue of
indemnification from the Sub-Servicer and to the same extent and under the
same
terms and conditions as if the Servicer alone were servicing and administering
the Mortgage Loans. The Servicer shall be entitled to enter into any agreement
with a Sub- Servicer for indemnification of the Servicer by such Sub-Servicer
and nothing contained in this Agreement shall be deemed to limit or modify
such
indemnification.
| SECTION 3.05. |
No
Contractual Relationship Between Sub-Servicers and the Trustee, the
Trust
Administrator, the NIMS Insurer or
Certificateholders.
|
Any
Sub-Servicing Agreement that may be entered into and any transactions or
services relating to the Mortgage Loans involving a Sub-Servicer in its capacity
as such shall be deemed to be between the Sub-Servicer and the Servicer alone,
and the Trustee, the Master Servicer, the Trust Administrator, the NIMS Insurer
and the Certificateholders shall not be deemed parties thereto and shall have
no
claims, rights, obligations, duties or liabilities with respect to the
Sub-Servicer except as set forth in Section 3.06. The Servicer shall be solely
liable for all fees owed by it to any Sub-Servicer, irrespective of whether
the
Servicer’s compensation pursuant to this Agreement is sufficient to pay such
fees.
| SECTION 3.06. |
Assumption
or Termination of Sub-Servicing Agreements by Master
Servicer.
|
In
the
event the Servicer shall for any reason no longer be the Servicer (including
by
reason of the occurrence of a Servicer Event of Default), the Master Servicer,
or, if the Master Servicer is a Servicer, the Trustee (or the successor servicer
appointed pursuant to Section 7.02) shall thereupon assume all of the rights
and
obligations of the Servicer under each Sub-Servicing Agreement that the Servicer
may have entered into, unless the Master Servicer or the Trustee, as applicable,
elects to terminate any Sub-Servicing Agreement in accordance with its terms
as
provided in Section 3.03. Upon such assumption, the Master Servicer or the
Trustee, as applicable (or the successor servicer appointed pursuant to Section
7.02 shall be deemed, subject to Section 3.03, to have assumed all of the
Servicer’s interest therein and to have replaced the Servicer as a party to each
Sub-Servicing Agreement to the same extent as if each Sub-Servicing Agreement
had been assigned to the assuming party, except that (i) the Servicer shall
not
thereby be relieved of any liability or obligations under any Sub-Servicing
Agreement and (ii) none of the Trust Administrator, its designee or any
successor Servicer shall be deemed to have assumed any liability or obligation
of the Servicer that arose before it ceased to be the Servicer.
The
Servicer at its expense shall, upon request of the Master Servicer or the
Trustee, as applicable, deliver to the assuming party all documents and records
relating to each Sub-Servicing Agreement and the Mortgage Loans then being
serviced and an accounting of amounts collected and held by or on behalf of
it,
and otherwise use its best efforts to effect the orderly and efficient transfer
of the Sub-Servicing Agreements to the assuming party.
| SECTION 3.07. |
Collection
of Certain Mortgage Loan Payments.
|
The
Servicer shall make reasonable efforts to collect all payments called for under
the terms and provisions of the Mortgage Loans, and shall, to the extent such
procedures shall be consistent with this Agreement and the terms and provisions
of any applicable insurance policies, follow such collection procedures as
it
would follow with respect to mortgage loans comparable to the Mortgage Loans
and
held for its own account. Consistent with the foregoing and the servicing
standards set forth in Section 3.01 (with respect to ▇▇▇▇▇ Fargo) and with
the
JPMorgan Servicing Standard (with respect to JPMorgan), the Servicer may in
its
discretion (i) waive any late payment charge or, if applicable, penalty interest
or (ii) extend the due dates for Monthly Payments due on a Mortgage Note for
a
period of not greater than 180 days; provided that any extension pursuant to
clause (ii) above shall not affect the amortization schedule of any Mortgage
Loan for purposes of any computation hereunder, except as provided below;
provided further that the NIMS Insurer’s prior written consent shall be required
for any modification, waiver or amendment if the aggregate number of outstanding
Mortgage Loans which have been modified, waived or amended exceeds 5% of the
number of Mortgage Loans as of the Cut-off Date. In the event of any such
arrangement pursuant to clause (ii) above, the Servicer shall make timely
advances on such Mortgage Loan during such extension pursuant to Section 4.03
and in accordance with the amortization schedule of such Mortgage Loan without
modification thereof by reason of such arrangements. Notwithstanding the
foregoing, in the event that any Mortgage Loan is in default or, in the judgment
of the Servicer, such default is reasonably foreseeable, the Servicer,
consistent with the standards set forth in Section 3.01 (with respect to ▇▇▇▇▇
Fargo) and with the JPMorgan Servicing Standard (with respect to JPMorgan),
may
waive, modify or vary any term of such Mortgage Loan (including modifications
that change the Mortgage Rate, forgive the payment of principal or interest
or
extend the final maturity date of such Mortgage Loan), accept payment from
the
related Mortgagor of an amount less than the Stated Principal Balance in final
satisfaction of such Mortgage Loan (such payment, a “Short Pay-off”) or consent
to the postponement of strict compliance with any such term or otherwise grant
indulgence to any Mortgagor without the prior written consent of the NIMS
Insurer, if in the Servicer’s determination such waiver, modification,
postponement or indulgence is not materially adverse to the interests of the
Certificateholders (taking into account any estimated Realized Loss that might
result absent such action); provided, however, the Servicer shall not modify
any
Mortgage Loan in a manner that would capitalize the amount of any unpaid Monthly
Payments or tax or insurance payments advanced by the Servicer on the
Mortgagor’s behalf unless the related Mortgagor shall have remitted an amount
equal to a full Monthly Payment (or, in the case of any Mortgage Loan subject
to
a forbearance plan or bankruptcy plan, a full modified monthly payment under
such plan) in each of the three calendar months immediately preceding the month
of such modification.
| SECTION 3.08. |
Sub-Servicing
Accounts.
|
In
those
cases where a Sub-Servicer is servicing a Mortgage Loan pursuant to a
Sub-Servicing Agreement, the Sub-Servicer will be required to establish and
maintain one or more accounts (collectively, the “Sub-Servicing Account”). The
Sub-Servicing Account shall be an Eligible Account and shall comply with all
requirements of this Agreement relating to the Collection Account. The
Sub-Servicer shall deposit in the Sub-Servicing Account, in no event more than
two Business Days after the Sub-Servicer’s receipt thereof, all proceeds of
Mortgage Loans received by the Sub-Servicer less its servicing compensation
to
the extent permitted by the Sub-Servicing Agreement. The Sub-Servicer shall
thereafter remit such proceeds to the Servicer for deposit in the Collection
Account not later than two Business Days after the deposit of such amounts
in
the Sub-Servicing Account. For purposes of this Agreement, the Servicer shall
be
deemed to have received payments on the Mortgage Loans when the Sub-Servicer
receives such payments.
| SECTION 3.09. |
Collection
of Taxes, Assessments and Similar Items; Servicing
Accounts.
|
To
the
extent the terms of a Mortgage provide for Escrow Payments, the Servicer shall
establish and maintain one or more accounts (the “Servicing Accounts”), into
which all collections from the Mortgagors (or related advances from
Sub-Servicers) for the payment of taxes, assessments, fire, flood, and hazard
insurance premiums, hazard insurance proceeds (to the extent such amounts are
to
be applied to the restoration or repair of the property) and comparable items
for the account of the Mortgagors (“Escrow Payments”) shall be deposited and
retained. Servicing Accounts shall be Eligible Accounts. The Servicer shall
deposit in the Servicing Accounts on a daily basis and in no event later than
the second Business Day after receipt, and retain therein, all Escrow Payments
collected on account of the Mortgage Loans, for the purpose of effecting the
timely payment of any such items as required under the terms of this Agreement.
Withdrawals of amounts from a Servicing Account may be made only to (i) effect
timely payment of taxes, assessments, fire, flood, and hazard insurance
premiums, and comparable items; (ii) reimburse the Servicer out of related
collections for any advances made pursuant to Section 3.01 (with respect to
taxes and assessments) and Section 3.14 (with respect to fire, flood and hazard
insurance); (iii) refund to Mortgagors any sums as may be determined to be
overages; (iv) pay interest, if required and as described below, to Mortgagors
on balances in the Servicing Account; or (v) clear and terminate the Servicing
Account at the termination of the Servicer’s obligations and responsibilities in
respect of the Mortgage Loans under this Agreement in accordance with Article
IX. As part of its servicing duties, the Servicer shall pay to the Mortgagors
interest on funds in Servicing Accounts, to the extent required by law and,
to
the extent that interest earned on funds in the Servicing Accounts is
insufficient, to pay such interest from its or their own funds, without any
reimbursement therefor. Notwithstanding the foregoing, the Servicer shall not
be
obligated to collect Escrow Payments if the related Mortgage Loan does not
require such payments but the Servicer shall nevertheless be obligated to make
Servicing Advances as provided in Section 3.01. In the event the Servicer shall
deposit in the Servicing Accounts any amount not required to be deposited
therein, it may at any time withdraw such amount from the Servicing Accounts,
any provision to the contrary notwithstanding.
To
the
extent that a Mortgage does not provide for Escrow Payments, the Servicer (i)
shall determine whether any such payments are made by the Mortgagor in a manner
and at a time that is necessary to avoid the loss of the Mortgaged Property
due
to a tax sale or the foreclosure as a result of a tax lien and (ii) shall ensure
that all insurance required to be maintained on the Mortgaged Property pursuant
to this Agreement is maintained. If any such payment has not been made and
the
Servicer receives notice of a tax lien with respect to the Mortgage Loan being
imposed, the Servicer will, to the extent required to avoid loss of the
Mortgaged Property, advance or cause to be advanced funds necessary to discharge
such lien on the Mortgaged Property. The Servicer assumes full responsibility
for the payment of all such bills and shall effect payments of all such bills
irrespective of the Mortgagor’s faithful performance in the payment of same or
the making of the Escrow Payments and shall make Servicing Advances from its
own
funds to effect such payments.
| SECTION 3.10. |
Collection
Account.
|
(a) On
behalf
of the Trust Fund, the Servicer shall establish and maintain one or more
separate, segregated trust accounts (such account or accounts, the “Collection
Account”), held in trust for the benefit of the Trust Administrator, the Trustee
and the Certificateholders. On behalf of the Trust Fund, the Servicer shall
deposit or cause to be deposited in the clearing account (which account must
be
an Eligible Account) in which it customarily deposits payments and collections
on mortgage loans in connection with its mortgage loan servicing activities
on a
daily basis, and in no event more than two Business Days after the Servicer’s
receipt thereof, and shall thereafter deposit in the Collection Account, in
no
event more than one Business Day after the deposit of such funds into the
clearing account, as and when received or as otherwise required hereunder,
the
following payments and collections received or made by it from and after the
Cut-off Date (other than in respect of principal or interest on the related
Mortgage Loans due on or before the Cut-off Date), or payments (other than
Principal Prepayments) received by it on or prior to the Cut-off Date but
allocable to a Due Period subsequent thereto:
(i) all
payments on account of principal, including Principal Prepayments (but not
Prepayment Charges), on the Mortgage Loans;
(ii) all
payments on account of interest (net of the related Servicing Fee and any
Prepayment Interest Excess) on each Mortgage Loan;
(iii) all
Insurance Proceeds and Liquidation Proceeds (other than proceeds collected
in
respect of any particular REO Property and amounts paid by the Servicer in
connection with a purchase of Mortgage Loans and REO Properties pursuant to
Section 9.01);
(iv) any
amounts required to be deposited pursuant to Section 3.12 in connection with
any
losses realized on Permitted Investments with respect to funds held in the
Collection Account;
(v) any
amounts required to be deposited by the Servicer pursuant to the second
paragraph of Section 3.14(a) in respect of any blanket policy
deductibles;
(vi) all
proceeds of any Mortgage Loan repurchased or purchased in accordance with
Section 2.03 or Section 9.01;
(vii) all
amounts required to be deposited in connection with shortfalls in principal
amount of Qualified Substitute Mortgage Loans pursuant to Section 2.03;
and
(viii) all
Prepayment Charges collected by the Servicer, and any Servicer Prepayment Charge
Payment Amounts in connection with the Principal Prepayment of any of the
Mortgage Loans.
For
purposes of the immediately preceding sentence, the Cut-off Date with respect
to
any Qualified Substitute Mortgage Loan shall be deemed to be the date of
substitution.
The
foregoing requirements for deposit in the Collection Accounts shall be
exclusive, it being understood and agreed that, without limiting the generality
of the foregoing, payments in the nature of late payment charges, Prepayment
Interest Excess or assumption fees (other than Prepayment Charges) need not
be
deposited by the Servicer in the Collection Account. In the event the Servicer
shall deposit in the Collection Account any amount not required to be deposited
therein, it may at any time withdraw such amount from the Collection Account,
any provision herein to the contrary notwithstanding.
(b) On
behalf
of the Trust Fund, the Servicer shall deliver to the Trust Administrator in
immediately available funds for deposit in the Distribution Account on the
Servicer Remittance Date, that portion of the Available Funds for the related
Distribution Date then on deposit in the Collection Account, the amount of
all
Prepayment Charges collected during the applicable Prepayment Period by the
Servicer and any Servicer Prepayment Charge Payment Amounts in connection with
the Principal Prepayment of any of the Mortgage Loans then on deposit in the
Collection Account.
(c) Funds
in
the Collection Account may be invested in Permitted Investments in accordance
with the provisions set forth in Section 3.12. The Servicer shall give notice
to
the Trustee, the Trust Administrator, the Depositor, the Master Servicer and
the
NIMS Insurer of the location of the Collection Account maintained by it when
established and prior to any change thereof.
(d) Funds
held in the Collection Account at any time may be delivered by the Servicer
to
the Trust Administrator for deposit in an account (which may be the Distribution
Account and must satisfy the standards for the Distribution Account as set
forth
in the definition thereof) and for all purposes of this Agreement shall be
deemed to be a part of the Collection Account; provided, however, that the
Trust
Administrator shall have the sole authority to withdraw any funds held by it
pursuant to this subsection (d). In the event the Servicer shall deliver to
the
Trust Administrator for deposit in the Distribution Account any amount not
required to be deposited therein, it may at any time request that the Trust
Administrator withdraw such amount from the Distribution Account and remit
to it
any such amount, any provision herein to the contrary notwithstanding. In
addition, the Servicer shall deliver to the Trust Administrator from time to
time for deposit, and upon written notification from the Servicer, the Trust
Administrator shall so deposit, in the Distribution Account:
(i) any
Advances, as required pursuant to Section 4.03;
(ii) any
amounts required to be deposited pursuant to Section 3.23(d) or (f) in
connection with any REO Property;
(iii) any
amounts to be paid by the Servicer in connection with a purchase of Mortgage
Loans and REO Properties pursuant to Section 9.01; and
(iv) any
amounts required to be deposited pursuant to Section 3.24 in connection with
any
Prepayment Interest Shortfalls.
(e) The
Servicer shall deposit in the Collection Account any amounts required to be
deposited pursuant to Section 3.12(b) in connection with losses realized on
Permitted Investments with respect to funds held in the Collection
Account.
| SECTION 3.11. |
Withdrawals
from the Collection Account.
|
The
Servicer shall, from time to time, make withdrawals from the Collection Account
for any of the following purposes, without priority, or as described in Section
4.03:
(i) to
remit
to the Trust Administrator for deposit in the Distribution Account the amounts
required to be so remitted pursuant to Section 3.10(b) or permitted to be so
remitted pursuant to the first sentence of Section 3.10(d);
(ii) subject
to Section 3.16(d), to reimburse the Servicer for Advances, but only to the
extent of amounts received which represent Late Collections (net of the related
Servicing Fees) of Monthly Payments on Mortgage Loans with respect to which
such
Advances were made in accordance with the provisions of Section
4.03;
(iii) subject
to Section 3.16(d), to pay the Servicer or any Sub-Servicer (A) any unpaid
Servicing Fees, (B) any unreimbursed Servicing Advances with respect to each
Mortgage Loan, but only to the extent of any Liquidation Proceeds, Insurance
Proceeds or other amounts as may be collected by the Servicer from a Mortgagor,
or otherwise received with respect to such Mortgage Loan and (C) without
limiting any right of withdrawal set forth in clause (vi) below, any Servicing
Advances made with respect to a Mortgage Loan that, following the final
liquidation of a Mortgage Loan are Nonrecoverable Advances, but only to the
extent that Late Collections, Liquidation Proceeds and Insurance Proceeds
received with respect to such Mortgage Loan are insufficient to reimburse the
Servicer or any Sub-Servicer for such Servicing Advances;
(iv) to
pay to
the Servicer as servicing compensation (in addition to the Servicing Fee) on
the
Servicer Remittance Date any interest or investment income earned on funds
deposited in the Collection Account;
(v) to
pay to
the Servicer, the Originator or the Seller, as the case may be, with respect
to
each Mortgage Loan that has previously been purchased or replaced pursuant
to
Section 2.03 or Section 3.16(c) all amounts received thereon subsequent to
the
date of purchase or substitution, as the case may be;
(vi) to
reimburse the Servicer for any Advance or Servicing Advance previously made
which the Servicer has determined to be a Nonrecoverable Advance or
Nonrecoverable Servicing Advance in accordance with the provisions of Section
4.03;
(vii) to
reimburse the Servicer, the Master Servicer or the Depositor for expenses
incurred by or reimbursable to the Servicer, the Master Servicer or the
Depositor, as the case may be, pursuant to Section 6.03;
(viii) to
reimburse the Servicer, the NIMS Insurer, the Trust Administrator, the Master
Servicer or the Trustee, as the case may be, for expenses reasonably incurred
in
respect of the breach or defect giving rise to the purchase obligation under
Section 2.03 of this Agreement that were included in the Purchase Price of
the
Mortgage Loan, including any expenses arising out of the enforcement of the
purchase obligation;
(ix) to
pay
itself any Prepayment Interest Excess (to the extent not otherwise
retained);
(x) to
pay,
or to reimburse the Servicer for advances in respect of expenses incurred in
connection with any Mortgage Loan pursuant to Section 3.16(b); and
(xi) to
clear
and terminate the Collection Account pursuant to Section 9.01.
The
Servicer shall keep and maintain separate accounting, on a Mortgage Loan by
Mortgage Loan basis, for the purpose of justifying any withdrawal from the
Collection Account, to the extent held by or on behalf of it, pursuant to
subclauses (ii), (iii), (iv), (v), (vi), (viii) and (ix) above. The Servicer
shall provide written notification to the Trust Administrator and the NIMS
Insurer, on or prior to the next succeeding Servicer Remittance Date, upon
making any withdrawals from the Collection Account pursuant to subclause (vii)
above.
| SECTION 3.12. |
Investment
of Funds in the Collection Account.
|
(a) The
Servicer may direct any depository institution maintaining the Collection
Account (for purposes of this Section 3.12, an “Investment Account”) to invest
the funds in such Investment Account in one or more Permitted Investments
specified in such instruction bearing interest or sold at a discount, and
maturing, unless payable on demand, (i) no later than the Business Day
immediately preceding the date on which such funds are required to be withdrawn
from such account pursuant to this Agreement, if a Person other than the Trust
Administrator is the obligor thereon, and (ii) no later than the date on which
such funds are required to be withdrawn from such account pursuant to this
Agreement, if the Trust Administrator is the obligor thereon. All such Permitted
Investments shall be held to maturity, unless payable on demand. Any investment
of funds in an Investment Account shall be made in the name of the Trust or
the
Trust Administrator (in its capacity as such) on behalf of the Trust or in
the
name of a nominee of the Trust Administrator. The Trust Administrator shall
be
entitled to sole possession (except with respect to investment direction of
funds held in the Collection Account and the Distribution Account and any income
and gain realized thereon) over each such investment, and any certificate or
other instrument evidencing any such investment shall be delivered directly
to
the Trust Administrator or its agent, together with any document of transfer
necessary to transfer title to such investment to the Trust Administrator or
its
nominee. In the event amounts on deposit in an Investment Account are at any
time invested in a Permitted Investment payable on demand, the Trust
Administrator shall:
(x) consistent
with any notice required to be given thereunder, demand that payment thereon
be
made on the last day such Permitted Investment may otherwise mature hereunder
in
an amount equal to the lesser of (1) all amounts then payable thereunder and
(2)
the amount required to be withdrawn on such date; and
(y) demand
payment of all amounts due thereunder promptly upon determination by a
Responsible Officer of the Trust Administrator that such Permitted Investment
would not constitute a Permitted Investment in respect of funds thereafter
on
deposit in the Investment Account.
(b) All
income and gain realized from the investment of funds deposited in the
Collection Account held by or on behalf of the Servicer, shall be for the
benefit of the Servicer and shall be subject to its withdrawal in accordance
with Section 3.11. The Servicer shall deposit in the Collection Account the
amount of any loss of principal incurred in respect of any such Permitted
Investment made with funds in such accounts immediately upon realization of
such
loss.
(c) Except
as
otherwise expressly provided in this Agreement, if any default occurs in the
making of a payment due under any Permitted Investment, or if a default occurs
in any other performance required under any Permitted Investment, the Trust
Administrator may and, subject to Section 8.01 and Section 8.02(a)(v), upon
the
request of the NIMS Insurer or the Holders of Certificates representing more
than 50% of the Voting Rights allocated to any Class of Certificates, shall
take
such action as may be appropriate to enforce such payment or performance,
including the institution and prosecution of appropriate proceedings.
| SECTION 3.13. |
[Reserved].
|
| SECTION 3.14. |
Maintenance
of Hazard Insurance and Errors and Omissions and Fidelity
Coverage.
|
The
terms
of each Mortgage Note require the related Mortgagor to maintain fire, flood
and
hazard insurance policies. To the extent such policies are not maintained,
the
Servicer shall cause to be maintained for each Mortgaged Property fire and
hazard insurance with extended coverage as is customary in the area where the
Mortgaged Property is located in an amount which is at least equal to the lesser
of the current principal balance of such Mortgage Loan and the amount necessary
to fully compensate for any damage or loss to the improvements which are a
part
of such property on a replacement cost basis, in each case in an amount not
less
than such amount as is necessary to avoid the application of any coinsurance
clause contained in the related hazard insurance policy. The Servicer shall
also
cause to be maintained fire and hazard insurance on each REO Property with
extended coverage as is customary in the area where the Mortgaged Property
is
located in an amount which is at least equal to the lesser of (i) the maximum
insurable value of the improvements which are a part of such property and (ii)
the outstanding principal balance of the related Mortgage Loan at the time
it
became an REO Property. The Servicer will comply in the performance of this
Agreement with all reasonable rules and requirements of each insurer under
any
such hazard policies. Any amounts to be collected by the Servicer under any
such
policies (other than amounts to be applied to the restoration or repair of
the
property subject to the related Mortgage or amounts to be released to the
Mortgagor in accordance with the procedures that the Servicer would follow
in
servicing loans held for its own account, subject to the terms and conditions
of
the related Mortgage and Mortgage Note) shall be deposited in the Collection
Account, subject to withdrawal pursuant to Section 3.11, if received in respect
of a Mortgage Loan, or in the REO Account, subject to withdrawal pursuant to
Section 3.23, if received in respect of an REO Property. Any cost incurred
by
the Servicer in maintaining any such insurance shall not, for the purpose of
calculating distributions to Certificateholders, be added to the unpaid
principal balance of the related Mortgage Loan, notwithstanding that the terms
of such Mortgage Loan so permit; provided, however, that the Servicer may
capitalize the amount of any Servicing Advances incurred pursuant to this
Section 3.14 in connection with the modification of a Mortgage Loan. It is
understood and agreed that no earthquake or other additional insurance is to
be
required of any Mortgagor other than pursuant to such applicable laws and
regulations as shall at any time be in force and as shall require such
additional insurance. If the Mortgaged Property or REO Property is at any time
in an area identified in the Federal Register by the Federal Emergency
Management Agency as having special flood hazards, the Servicer will cause
to be
maintained a flood insurance policy in respect thereof. Such flood insurance
shall be in an amount equal to the lesser of (i) the unpaid principal balance
of
the related Mortgage Loan and (ii) the maximum amount of such insurance
available for the related Mortgaged Property under the national flood insurance
program (assuming that the area in which such Mortgaged Property is located
is
participating in such program).
In
the
event that the Servicer shall obtain and maintain a blanket policy with an
insurer having a General Policy Rating of B:VI or better in Best’s Key Rating
Guide insuring against hazard losses on all of the Mortgage Loans, it shall
conclusively be deemed to have satisfied its obligations as set forth in the
first two sentences of this Section 3.14, it being understood and agreed that
such policy may contain a deductible clause, in which case the Servicer shall,
in the event that there shall not have been maintained on the related Mortgaged
Property or REO Property a policy complying with the first two sentences of
this
Section 3.14, and there shall have been one or more losses which would have
been
covered by such policy, deposit to the Collection Account from its own funds
the
amount not otherwise payable under the blanket policy because of such deductible
clause. In connection with its activities as administrator and servicer of
the
Mortgage Loans, the Servicer agrees to prepare and present, on behalf of itself,
the Trustee, the Trust Fund and the Certificateholders, claims under any such
blanket policy in a timely fashion in accordance with the terms of such
policy.
(a) The
Servicer shall keep in force during the term of this Agreement a policy or
policies of insurance covering errors and omissions for failure in the
performance of its respective obligations under this Agreement, which policy
or
policies shall be in such form and amount that would meet the requirements
of
▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac if it were the purchaser of the Mortgage Loans, unless
the Servicer, has obtained a waiver of such requirements from ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac. The Servicer shall also maintain a fidelity bond in the form and
amount that would meet the requirements of ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac, unless
the
Servicer, has obtained a waiver of such requirements from ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇
Mac. The Servicer shall be deemed to have complied with this provision if an
Affiliate of the Servicer, has such errors and omissions and fidelity bond
coverage and, by the terms of such insurance policy or fidelity bond, the
coverage afforded thereunder extends to the Servicer. Any such errors and
omissions policy and fidelity bond shall by its terms not be cancelable without
thirty days’ prior written notice to the Trustee, the Trust Administrator and
the NIMS Insurer.
The
Servicer shall provide to the Master Servicer evidence (in the form of an
incumbency certificate) of the authorization of the person signing any
certification, statement, copy or other evidence of any fidelity bond, errors
and omissions policy, financial information and reports, or such other
information related to the Servicer or any Sub-Servicer or to the Servicer’s or
such Sub-Servicer’s performance hereunder.
| SECTION 3.15. |
Enforcement
of Due-On-Sale Clauses; Assumption
Agreements.
|
The
Servicer will, to the extent it has knowledge of any conveyance or prospective
conveyance of any Mortgaged Property by any Mortgagor (whether by absolute
conveyance or by contract of sale, and whether or not the Mortgagor remains
or
is to remain liable under the Mortgage Note and/or the Mortgage), exercise
its
rights to accelerate the maturity of such Mortgage Loan under the “due-on-sale”
clause, if any, applicable thereto; provided, however, that the Servicer shall
not exercise any such rights if prohibited by law from doing so. If the Servicer
reasonably believes it is unable under applicable law to enforce such
“due-on-sale” clause, or if any of the other conditions set forth in the proviso
to the preceding sentence apply, the Servicer will enter into an assumption
and
modification agreement from or with the person to whom such property has been
conveyed or is proposed to be conveyed, pursuant to which such person becomes
liable under the Mortgage Note and, to the extent permitted by applicable state
law, the Mortgagor remains liable thereon. The Servicer is also authorized
to
enter into a substitution of liability agreement with such person, pursuant
to
which the original Mortgagor is released from liability and such person is
substituted as the Mortgagor and becomes liable under the Mortgage Note,
provided that no such substitution shall be effective unless such person
satisfies the then current underwriting criteria of the Servicer for mortgage
loans similar to the Mortgage Loans. In connection with any assumption or
substitution, the Servicer shall apply such underwriting standards and follow
such practices and procedures as shall be normal and usual in its general
mortgage servicing activities and as it applies to other mortgage loans owned
solely by it. The Servicer shall not take or enter into any assumption and
modification agreement, however, unless (to the extent practicable in the
circumstances) it shall have received confirmation, in writing, of the continued
effectiveness of any applicable hazard insurance policy. Any fee collected
by
the Servicer in respect of an assumption or substitution of liability agreement
will be retained by the Servicer as additional servicing compensation. In
connection with any such assumption, no material term of the Mortgage Note
(including but not limited to the related Mortgage Rate and the amount of the
Monthly Payment) may be amended or modified, except as otherwise required
pursuant to the terms thereof. The Servicer shall notify the Trustee, the Master
Servicer, the Trust Administrator and the Custodian that any such substitution
or assumption agreement has been completed by forwarding to the Custodian on
behalf of the Trustee the executed original of such substitution or assumption
agreement, which document shall be added to the related Mortgage File and shall,
for all purposes, be considered a part of such Mortgage File to the same extent
as all other documents and instruments constituting a part thereof.
Notwithstanding
the foregoing paragraph or any other provision of this Agreement, the Servicer
shall not be deemed to be in default, breach or any other violation of its
obligations hereunder by reason of any assumption of a Mortgage Loan by
operation of law or by the terms of the Mortgage Note or any assumption which
the Servicer may be restricted by law from preventing, for any reason
whatsoever. For purposes of this Section 3.15, the term “assumption” is deemed
to also include a sale (of the Mortgaged Property) subject to the Mortgage
that
is not accompanied by an assumption or substitution of liability
agreement.
| SECTION 3.16. |
Realization
Upon Defaulted Mortgage Loans.
|
(a) The
Servicer shall, consistent with the servicing standard set forth in Section
3.01
(with respect to ▇▇▇▇▇ Fargo) and with the JPMorgan Servicing Standard (with
respect to JPMorgan), foreclose upon or otherwise comparably convert the
ownership of properties securing such of the Mortgage Loans as come into and
continue in default and as to which no satisfactory arrangements can be made
for
collection of delinquent payments pursuant to Section 3.07. The Servicer shall
be responsible for all costs and expenses incurred by it in any such
proceedings; provided, however, that such costs and expenses will be recoverable
as Servicing Advances by the Servicer as contemplated in Section 3.11 and
Section 3.23. The foregoing is subject to the provision that, in any case in
which the Mortgaged Property shall have suffered damage from an Uninsured Cause,
the Servicer shall not be required to expend its own funds toward the
restoration of such property unless it shall determine in its discretion that
such restoration will increase the proceeds of liquidation of the related
Mortgage Loan after reimbursement to itself for such expenses.
(b) Notwithstanding
the foregoing provisions of this Section 3.16 or any other provision of this
Agreement, with respect to any Mortgage Loan as to which the Servicer has
received actual notice of, or has actual knowledge of, the presence of any
toxic
or hazardous substance on the related Mortgaged Property, the Servicer shall
not, on behalf of the Trustee, either (i) obtain title to such Mortgaged
Property as a result of or in lieu of foreclosure or otherwise, or (ii)
otherwise acquire possession of, or take any other action with respect to,
such
Mortgaged Property, if, as a result of any such action, the Trustee, the Trust
Fund, the Trust Administrator, the Servicer or the Certificateholders would
be
considered to hold title to, to be a “mortgagee-in-possession” of, or to be an
“owner” or “operator” of such Mortgaged Property within the meaning of the
Comprehensive Environmental Response, Compensation and Liability Act of 1980,
as
amended from time to time, or any comparable law, unless the Servicer has also
previously determined, based on its reasonable judgment and a report prepared
by
a Person who regularly conducts environmental audits using customary industry
standards, that:
(1) such
Mortgaged Property is in compliance with applicable environmental laws or,
if
not, that it would be in the best economic interest of the Trust Fund to take
such actions as are necessary to bring the Mortgaged Property into compliance
therewith; and
(2) there
are
no circumstances present at such Mortgaged Property relating to the use,
management or disposal of any hazardous substances, hazardous materials,
hazardous wastes, or petroleum-based materials for which investigation, testing,
monitoring, containment, clean-up or remediation could be required under any
federal, state or local law or regulation, or that if any such materials are
present for which such action could be required, that it would be in the best
economic interest of the Trust Fund to take such actions with respect to the
affected Mortgaged Property.
Notwithstanding
the foregoing, if such environmental audit reveals, or if the Servicer has
actual knowledge or notice, that such Mortgaged Property contains such toxic
or
hazardous wastes or substances, the Servicer shall not foreclose or accept
a
deed in lieu of foreclosure without the prior written consent of the NIMS
Insurer.
The
cost
of the environmental audit report contemplated by this Section 3.16 shall be
advanced by the Servicer, subject to the Servicer’s right to be reimbursed
therefor from the Collection Account as provided in Section 3.11(a)(ix), such
right of reimbursement being prior to the rights of Certificateholders to
receive any amount in the Collection Account received in respect of the affected
Mortgage Loan or other Mortgage Loans.
If
the
Servicer determines, as described above, that it is in the best economic
interest of the Trust Fund to take such actions as are necessary to bring any
such Mortgaged Property into compliance with applicable environmental laws,
or
to take such action with respect to the containment, clean-up or remediation
of
hazardous substances, hazardous materials, hazardous wastes or petroleum-based
materials affecting any such Mortgaged Property, then the Servicer shall take
such action as it deems to be in the best economic interest of the Trust Fund.
The cost of any such compliance, containment, cleanup or remediation shall
be
advanced by the Servicer, subject to the Servicer’s right to be reimbursed
therefor from the Collection Account as provided in Section 3.11(a)(ix), such
right of reimbursement being prior to the rights of Certificateholders to
receive any amount in the Collection Account received in respect of the affected
Mortgage Loan or other Mortgage Loans.
(c) The
Servicer or the NIMS Insurer shall have the right to purchase from REMIC I
any
defaulted Mortgage Loan that is 90 days or more delinquent, which the Servicer
or the NIMS Insurer determines in good faith will otherwise become subject
to
foreclosure proceedings (evidence of such determination to be delivered in
writing to the Trustee and the Trust Administrator, in form and substance
satisfactory to the Trustee and the Trust Administrator prior to purchase),
at a
price equal to the Purchase Price. The Purchase Price for any Mortgage Loan
purchased hereunder shall be deposited in the Collection Account, and the
Trustee, upon receipt of written certification from the Servicer or the NIMS
Insurer, as applicable, of such deposit, shall release or cause to be released
to the Servicer or the NIMS Insurer, as applicable, the related Mortgage File
and the Trustee, upon receipt of written certification from the Servicer or
the
NIMS Insurer, as applicable, of such deposit, shall execute and deliver such
instruments of transfer or assignment, in each case without recourse, as the
Servicer or the NIMS Insurer, as applicable, shall furnish and as shall be
necessary to vest in the Servicer or the NIMS Insurer, as applicable, title
to
any Mortgage Loan released pursuant hereto.
(d) Proceeds
received in connection with any Final Recovery Determination, as well as any
recovery resulting from a partial collection of Insurance Proceeds or
Liquidation Proceeds, in respect of any Mortgage Loan, will be applied in the
following order of priority: first, to reimburse the Servicer or any
Sub-Servicer for any related unreimbursed Servicing Advances and Advances,
pursuant to Section 3.11(a)(ii) or (a)(iii)(B); second, to accrued and unpaid
interest on the Mortgage Loan, to the date of the Final Recovery Determination,
or to the Due Date prior to the Distribution Date on which such amounts are
to
be distributed if not in connection with a Final Recovery Determination; and
third, as a recovery of principal of the Mortgage Loan. If the amount of the
recovery so allocated to interest is less than the full amount of accrued and
unpaid interest due on such Mortgage Loan, the amount of such recovery will
be
allocated by the Servicer as follows: first, to unpaid Servicing Fees; and
second, to the balance of the interest then due and owing. The portion of the
recovery so allocated to unpaid Servicing Fees shall be reimbursed to the
Servicer or any Sub-Servicer pursuant to Section 3.11(a)(iii)(A).
| SECTION 3.17. |
Trustee
to Cooperate; Release of Mortgage
Files.
|
(a) Upon
the
payment in full of any Mortgage Loan, or the receipt by the Servicer of a
notification that payment in full shall be escrowed in a manner customary for
such purposes, the Servicer will immediately notify the Custodian on behalf
of
the Trustee, by a Request for Release in the form of Exhibit E (which
certification shall include a statement to the effect that all amounts received
or to be received in connection with such payment which are required to be
deposited in the Collection Account pursuant to Section 3.10 have been or will
be so deposited) of a Servicing Officer and shall request that the Custodian
on
behalf of the Trustee deliver to it the Mortgage File. Upon receipt of such
certification and request, the Custodian shall promptly release the related
Mortgage File to the Servicer (at no cost to the Servicer), and the Servicer
is
authorized to cause the removal from the registration on the MERS® System of any
such Mortgage, if applicable, and to execute and deliver, on behalf of the
Trustee and the Certificateholders or any of them, any and all instruments
of
satisfaction or cancellation or of partial or full release. No expenses incurred
in connection with any instrument of satisfaction or deed of reconveyance shall
be chargeable to the Collection Account or the Distribution
Account.
The
Custodian on behalf of the Trustee shall, at the written request and expense
of
any Certificateholder, provide a written report to such Certificateholder of
all
Mortgage Files released to the Servicer for servicing purposes.
(b) From
time
to time and as appropriate for the servicing or foreclosure of any Mortgage
Loan, including, for this purpose, collection under any insurance policy
relating to the Mortgage Loans, the Custodian shall, upon request of the
Servicer and delivery to the Custodian of a Request for Release in the form
of
Exhibit E, release the related Mortgage File to the Servicer, and the Trustee
shall, at the direction of the Servicer, execute such documents as shall be
necessary to the prosecution of any such proceedings. Such Request for Release
shall obligate the Servicer to return each and every document previously
requested from the Mortgage File to the Custodian when the need therefor by
the
Servicer no longer exists, unless the Mortgage Loan has been liquidated and
the
Liquidation Proceeds relating to the Mortgage Loan have been deposited in the
Collection Account or the Mortgage File or such document has been delivered
to
an attorney, or to a public trustee or other public official as required by
law,
for purposes of initiating or pursuing legal action or other proceedings for
the
foreclosure of the Mortgaged Property either judicially or non-judicially,
and
the Servicer has delivered to the Custodian on behalf of the Trustee a
certificate of a Servicing Officer certifying as to the name and address of
the
Person to which such Mortgage File or such document was delivered and the
purpose or purposes of such delivery. Upon receipt of a certificate of a
Servicing Officer stating that such Mortgage Loan was liquidated and that all
amounts received or to be received in connection with such liquidation that
are
required to be deposited into the Collection Account have been so deposited,
or
that such Mortgage Loan has become an REO Property, a copy of the Request for
Release shall be released by the Custodian on behalf of the Trustee to the
Servicer.
(c) Upon
written certification of a Servicing Officer, the Trustee shall execute and
deliver to the Servicer any court pleadings, requests for trustee’s sale or
other documents reasonably necessary to the foreclosure or trustee’s sale in
respect of a Mortgaged Property or to any legal action brought to obtain
judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain
a
deficiency judgment, or to enforce any other remedies or rights provided by
the
Mortgage Note or Mortgage or otherwise available at law or in equity. Each
such
certification shall include a request that such pleadings or documents be
executed by the Trustee and a statement as to the reason such documents or
pleadings are required and that the execution and delivery thereof by the
Trustee will not invalidate or otherwise affect the lien of the Mortgage, except
for the termination of such a lien upon completion of the foreclosure or
trustee’s sale.
| SECTION 3.18. |
Servicing
Compensation.
|
As
compensation for the activities of the Servicer hereunder, the Servicer shall
be
entitled to the Servicing Fee with respect to each Mortgage Loan payable solely
from payments of interest in respect of such Mortgage Loan, subject to Section
3.24. In addition, the Servicer shall be entitled to recover unpaid Servicing
Fees out of Insurance Proceeds or Liquidation Proceeds to the extent permitted
by Section 3.11(a)(iii)(A) and out of amounts derived from the operation and
sale of an REO Property to the extent permitted by Section 3.23. The right
to
receive the Servicing Fee may not be transferred in whole or in part except
in
connection with the transfer of all of the Servicer’s responsibilities and
obligations under this Agreement. As part of its servicing compensation, the
Servicer shall also be entitled to Prepayment Interest Excess.
Additional
servicing compensation in the form of assumption fees, late payment charges
and
other similar fees and charges (other than Prepayment Charges) shall be retained
by the Servicer (subject to Section 3.24) only to the extent such fees or
charges are received by the Servicer. The Servicer shall also be entitled
pursuant to Section 3.11(a)(iv) to withdraw from the Collection Account, and
pursuant to Section 3.23(b) to withdraw from any REO Account, as additional
servicing compensation, interest or other income earned on deposits therein,
subject to Section 3.12 and Section 3.24. The Servicer shall be required to
pay
all expenses incurred by it in connection with its servicing activities
hereunder (including premiums for the insurance required by Section 3.14, to
the
extent such premiums are not paid by the related Mortgagors or by a
Sub-Servicer, servicing compensation of each Sub-Servicer) and shall not be
entitled to reimbursement therefor except as specifically provided
herein.
| SECTION 3.19. |
Reports;
Collection Account Statements.
|
Upon
reasonable request by the Master Servicer or the Trust Administrator (such
request to be made on the related Distribution Date), the Servicer shall forward
to the Master Servicer and the Trust Administrator no later than ten days after
such request, a statement prepared by the Servicer setting forth the status
of
the Collection Account as of the close of business on the last day of the
calendar month relating to such Distribution Date and showing, for the period
covered by such statement, the aggregate amount of deposits into and withdrawals
from the Collection Account of each category of deposit specified in Section
3.10(a) and each category of withdrawal specified in Section 3.11. Such
statement may be in a format as mutually agreed to among the Servicer, the
Master Servicer and the Trust Administrator, and may also include information
as
to the aggregate of the outstanding principal balances of all of the Mortgage
Loans as of the last day of the calendar month immediately preceding such
Distribution Date. Copies of such statement shall be provided by the Trust
Administrator to any Certificateholder and to any Person identified to the
Trust
Administrator as a prospective transferee of a Certificate, upon the request
and
at the expense of the requesting party, provided such statement is delivered
by
the Servicer to the Trust Administrator.
| SECTION 3.20. |
Statement
as to Compliance.
|
The
Servicer shall deliver to the Trust Administrator, on or before March
1st
(with
respect to JPMorgan) or March 5th (with respect to ▇▇▇▇▇ Fargo) of each calendar
year beginning in 2007, an Officers’ Certificate (an “Annual Statement of
Compliance”) in a format attached as Exhibit L, stating, as to each signatory
thereof, that (i) a review of the activities of the Servicer during the
preceding calendar year (or applicable portion thereof) and of performance
under
this Agreement has been made under such officer’s supervision and (ii) to the
best of such officer’s knowledge, based on such review, the Servicer has
fulfilled all of its obligations under this Agreement in all material respects
throughout such year (or applicable portion thereof), or, if there has been
a
failure to fulfill any such obligation in any material respect, specifying
each
such failure known to such officer and the nature and status of cure provisions
thereof.
The
Servicer shall deliver, or cause to be delivered, a similar Annual Statement
of
Compliance by any Sub-Servicer, subcontractor or other Person engaged by it
and
satisfying any of the criteria set forth in Item 1108(a)(i)-(iii), to which
the
Servicer has delegated any servicing responsibilites with respect to the
Mortgage Loans, to the Trust Administrator as described above as and when
required with respect to the Servicer.
Failure
of the Servicer to timely comply with this Section 3.20 (after expiration of
the
related cure period) shall be deemed a Servicer Event of Default, and upon
the
receipt of written notice from the Trust Administrator of such Servicer Event
of
Default, the Trustee or the Master Servicer, as applicable, may at the direction
of the Depositor, in addition to whatever rights the Trustee or the Master
Servicer, as applicable, may have under this Agreement and at law or in equity,
including injunctive relief and specific performance, upon notice immediately
terminate (as provided in Section 7.01(a)) all the rights and obligations of
the
Servicer under this Agreement and in and to the Mortgage Loans and the proceeds
thereof without compensating the Servicer for the same; provided that to the
extent that any provision of this Agreement expressly provides for the survival
of certain rights or obligations following termination of the Servicer, such
provision shall be given effect. This paragraph shall supersede any other
provision in this Agreement or any other agreement to the contrary.
Each
of
the Master Servicer and the Trust Administrator shall also provide an Annual
Statement of Compliance, as and when provided above.
Each
of
the Servicer, the Master Servicer and the Trust Administrator (each, an
“Indemnifying Party”) shall indemnify and hold harmless the Depositor, the
Master Servicer, the Trust Administrator and their officers, directors and
Affiliates, as applicable, from and against any actual losses, damages,
penalties, fines, forfeitures, reasonable and necessary legal fees and related
costs, judgments and other costs and expenses that such Person may sustain
based
upon a breach of the obligations of such Indemnifying Party under this Section
3.20.
If
▇▇▇▇▇
Fargo as Servicer cannot deliver any Annual Statement of Compliance by March
5st
of such
year, the Trust Administrator, at its sole option, may permit a cure period
for
such Servicer to deliver such Assessment of Compliance or Attestation Report,
but in no event later than March 15th
of such
year.
If
JPMorgan does not deliver the Annual
Statement of Compliance
by March
1st of any year, either the Trust Administrator or the Depositor shall provide
JPMorgan with written notice of its failure to deliver such Annual Statement
of
Compliance and JPMorgan shall have 10 calendar days from the date of such
written notice to cure such failure to deliver.
| SECTION 3.21. |
Assessments
of Compliance and Attestation
Reports.
|
The
Servicer shall service and administer the Mortgage Loans in accordance with
all
applicable requirements of the Relevant Servicing Criteria (as set forth in
Exhibit O hereto). The Servicer shall deliver to the Trust Administrator on
or
before March 1st of each calendar year beginning in 2007, the following:
(i) a
report
(an “Assessment of Compliance”) regarding the Servicer’s assessment of
compliance with the Relevant Servicing Criteria during the immediately preceding
calendar year, as required under Rules 13a-18 and 15d-18 of the Exchange Act
and
Item 1122 of Regulation AB. Such report shall be signed by an authorized officer
of the Servicer, and shall address each of the Servicing Criteria set forth
in
Exhibit O hereto;
(ii) a
report
(an “Attestation Report”) of a registered public accounting firm reasonably
acceptable to the Depositor that attests to, and reports on, the assessment
of
compliance made by the Servicer and delivered pursuant to the preceding
paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and
2-02(g) of Regulation S-X under the Securities Act and the Exchange Act;
(iii) cause
each Sub-Servicer, and each subcontractor determined by the Servicer to be
“participating in the servicing function” within the meaning of Item 1122 of
Regulation AB, (subject to any threshold percentage level amount of mortgage
loans in which such subcontractor servicers) to deliver an Assessment of
Compliance and Attestation Report as and when provided in paragraphs (i) and
(ii) of this Section 3.21(a); and
(iv) a
statement as to which of the Relevant Servicing Criteria, if any, are not
applicable to the Servicer, which statement shall be based on the activities
it
performs with respect to asset-backed securities transactions taken as a whole
involving the Servicer, that are backed by the same asset type as the Mortgage
Loans.
Such
Assessment of Compliance, as to each Sub-Servicer, subcontractor or any other
Person determined to be “participating in the servicing function” within the
meaning of Item 1122 of Regulation AB, shall address any applicable Servicing
Criteria of the party engaging such Sub-Servicer, subcontractor or other Person,
as specified on Exhibit O. Notwithstanding the foregoing, as to any
subcontractor, an Assessment of Compliance is not required to be delivered
unless it is required as part of a Form 10-K with respect to the Trust
Fund.
If
▇▇▇▇▇
Fargo as Servicer cannot deliver the Assessments of Compliance and Attestation
Reports by March 1st
of such
year, the Trust Administrator, at its sole option, may permit a cure period
for
such Servicer to deliver such Assessment
of Compliance or Attestation Report,
but in
no event later than March 15th
of such
year.
If
JPMorgan does not deliver the Assessment of Compliance or Attestation Report
by
March 1st of any year, either the Trust Administrator or the Depositor shall
provide JPMorgan with written notice of its failure to deliver such Assessment
of Compliance or Attestation Report and JPMorgan shall have 10 calendar days
from the date of such written notice to cure such failure to
deliver.
Failure
of the Servicer to timely comply with this Section 3.21 (after expiration of
the
related cure period) shall be deemed a Servicer Event of Default, and upon
the
receipt of written notice from the Trust Administrator of such Servicer Event
of
Default, the Trustee or the Master Servicer, as applicable, at the direction
of
the Depositor may, in addition to whatever rights the Trustee or the Master
Servicer, as applicable, may have under this Agreement and at law or in equity,
including injunctive relief and specific performance, upon notice immediately
terminate (as provided in Section 7.01(a)) all the rights and obligations of
the
Servicer under this Agreement and in and to the Mortgage Loans and the proceeds
thereof without compensating the Servicer for the same; provided, however,
the
Depositor shall not be entitled to instruct the Trustee or the Master Servicer
to terminate the rights and obligations of the Servicer pursuant to clause
(iii)
above if a failure of the Servicer to identify a subcontractor “participating in
the servicing function” within the meaning of Item 1122 of Regulation AB was
attributable solely to the role or functions of such subcontractor with respect
to mortgage loans other than the Mortgage Loans. This paragraph shall supersede
any other provision in this Agreement or any other agreement to the
contrary.
Each
of
the Master Servicer and the Trust Administrator shall also provide an Assessment
of Compliance and Attestation Report, as and when provided above, which shall
at
a minimum address each of the Servicing Criteria specified on Exhibit O hereto
which are indicated as applicable to each such party.
Each
of
the Servicer, the Master Servicer and the Trust Administrator shall indemnify
and hold harmless the Depositor, the Master Servicer and the Trust Administrator
and their officers, directors and Affiliates from and against any actual losses,
damages, penalties, fines, forfeitures, reasonable and necessary legal fees
and
related costs, judgments and other costs and expenses that such Person may
sustain based upon a breach of the obligations of such Indemnifying Party under
this Section 3.21.
| SECTION 3.22. |
Access
to Certain Documentation.
|
The
Servicer shall provide to the Office of the Controller of the Currency, the
Office of Thrift Supervision, the FDIC, and any other federal or state banking
or insurance regulatory authority that may exercise authority over any
Certificateholder, access to the documentation regarding the Mortgage Loans
required by applicable laws and regulations. Such access shall be afforded
without charge, but only upon reasonable request and during normal business
hours at the offices of the Servicer designated by it. In addition, access
to
the documentation regarding the Mortgage Loans required by applicable laws
and
regulations will be provided to such Certificateholder, the Trustee, the Trust
Administrator, the Master Servicer and to any Person identified to the Servicer
as a prospective transferee of a Certificate subject to the execution of a
confidentiality agreement in form and substance satisfactory to the servicer,
upon reasonable request during normal business hours at the offices of the
Servicer designated by it at the expense of the Person requesting such access.
Nothing in this Section 3.22 shall derogate from the obligation of any such
party to observe any applicable law prohibiting disclosure of information
regarding the Mortgagors and the failure of any such party to provide access
as
provided in this Section as a result of such obligation shall not constitute
a
breach of this Section 3.22.
| SECTION 3.23. |
Title,
Management and Disposition of REO
Property.
|
(a) In
the
event that title to an REO Property is acquired in foreclosure or by deed in
lieu of foreclosure, the deed or certificate of sale shall be taken (pursuant
to
a limited power of attorney to be provided by the Trustee to the Servicer)
in
the name of the Trustee or a nominee thereof, on behalf of the
Certificateholders, or in the event the Trustee or a nominee thereof is not
authorized or permitted to hold title to real property in the state where the
REO Property is located, or would be adversely affected under the “doing
business” or tax laws of such state by so holding title, the deed or certificate
of sale shall be taken in the name of such Person or Persons as shall be
consistent with an Opinion of Counsel obtained by the Servicer from an attorney
duly licensed to practice law in the state where the REO Property is located.
Any Person or Persons holding such title other than the Trustee shall
acknowledge in writing that such title is being held as nominee for the benefit
of the Trustee. The Trustee’s name shall be placed on the title to such REO
Property solely as the Trustee hereunder and not in its individual capacity.
The
Servicer shall ensure that the title to such REO Property references this
Agreement and the Trustee’s capacity hereunder. The Servicer, on behalf of the
Trust Fund, shall either sell any REO Property before the close of the third
taxable year following the year the Trust Fund acquires ownership of such REO
Property for purposes of Section 860G(a)(8) of the Code or request from the
Internal Revenue Service, no later than 60 days before the day on which the
above three-year grace period would otherwise expire, an extension of the above
three-year grace period, unless the Servicer shall have delivered to the
Trustee, the Trust Administrator and the Depositor an Opinion of Counsel,
addressed to the Trustee, the Trust Administrator and the Depositor, to the
effect that the holding by the Trust Fund of such REO Property subsequent to
the
close of the third taxable year after its acquisition will not result in the
imposition on the Trust Fund of taxes on “prohibited transactions” thereof, as
defined in Section 860F of the Code, or cause any Trust REMIC to fail to qualify
as a REMIC under Federal law at any time that any Certificates are outstanding.
The Servicer shall manage, conserve, protect and operate each REO Property
for
the Certificateholders solely for the purpose of its prompt disposition and
sale
in a manner which does not cause such REO Property to fail to qualify as
“foreclosure property” within the meaning of Section 860G(a)(8) of the Code or
result in the receipt by any Trust REMIC of any “income from non-permitted
assets” within the meaning of Section 860F(a)(2)(B) of the Code, or any “net
income from foreclosure property” which is subject to taxation under the REMIC
Provisions.
(b) The
Servicer shall segregate and hold all funds collected and received in connection
with the operation of any REO Property separate and apart from its own funds
and
general assets and shall establish and maintain with respect to REO Properties
an account held in trust for the Trustee for the benefit of the
Certificateholders (the “REO Account”), which shall be an Eligible Account. The
Servicer shall be permitted to allow the Collection Account to serve as the
REO
Account, subject to separate ledgers for each REO Property. The Servicer shall
be entitled to retain or withdraw any interest income paid on funds deposited
in
the REO Account.
(c) The
Servicer shall have full power and authority, subject only to the specific
requirements and prohibitions of this Agreement, to do any and all things in
connection with any REO Property as are consistent with the manner in which
the
Servicer manages and operates similar property owned by the Servicer or any
of
its Affiliates, all on such terms and for such period as the Servicer deems
to
be in the best interests of Certificateholders. In connection therewith, the
Servicer shall deposit, or cause to be deposited in the clearing account (which
account must be an Eligible Account) in which it customarily deposits payments
and collections on mortgage loans in connection with its mortgage loan servicing
activities on a daily basis, and in no event more than two Business Days after
the Servicer’s receipt thereof, and shall thereafter deposit in the REO Account,
in no event more than one Business Day after the deposit of such funds into
the
clearing account, all revenues received by it with respect to an REO Property
and shall withdraw therefrom funds necessary for the proper operation,
management and maintenance of such REO Property including, without
limitation:
(i) all
insurance premiums due and payable in respect of such REO Property;
(ii) all
real
estate taxes and assessments in respect of such REO Property that may result
in
the imposition of a lien thereon; and
(iii) all
costs
and expenses necessary to maintain such REO Property.
To
the
extent that amounts on deposit in the REO Account with respect to an REO
Property are insufficient for the purposes set forth in clauses (i) through
(iii) above with respect to such REO Property, the Servicer shall advance from
its own funds such amount as is necessary for such purposes if, but only if,
the
Servicer would make such advances if the Servicer owned the REO Property and
if
in the Servicer’s judgment, the payment of such amounts will be recoverable from
the rental or sale of the REO Property.
Notwithstanding
the foregoing, none of the Servicer, the Trust Administrator or the Trustee
shall:
(a) authorize
the Trust Fund to enter into, renew or extend any New Lease with respect to
any
REO Property, if the New Lease by its terms will give rise to any income that
does not constitute Rents from Real Property;
(b) authorize
any amount to be received or accrued under any New Lease other than amounts
that
will constitute Rents from Real Property;
(c) authorize
any construction on any REO Property, other than the completion of a building
or
other improvement thereon, and then only if more than ten percent of the
construction of such building or other improvement was completed before default
on the related Mortgage Loan became imminent, all within the meaning of Section
856(e)(4)(B) of the Code; or
(d) authorize
any Person to Directly Operate any REO Property on any date more than 90 days
after its date of acquisition by the Trust Fund;
unless,
in any such case, the Servicer has obtained an Opinion of Counsel, provided
to
the Trust Administrator, the Master Servicer and the NIMS Insurer, to the effect
that such action will not cause such REO Property to fail to qualify as
“foreclosure property” within the meaning of Section 860G(a)(8) of the at any
time that it is held by the Trust Fund, in which case the Servicer may take
such
actions as are specified in such Opinion of Counsel.
The
Servicer may contract with any Independent Contractor for the operation and
management of any REO Property; provided that:
(i) the
terms
and conditions of any such contract shall not be inconsistent
herewith;
(ii) any
such
contract shall require, or shall be administered to require, that the
Independent Contractor pay all costs and expenses incurred in connection with
the operation and management of such REO Property, including those listed above
and remit all related revenues (net of such costs and expenses) to the Servicer
as soon as practicable, but in no event later than thirty days following the
receipt thereof by such Independent Contractor;
(iii) none
of
the provisions of this Section 3.23(c) relating to any such contract or to
actions taken through any such Independent Contractor shall be deemed to relieve
the Servicer of any of its duties and obligations to the Trustee on behalf
of
the Certificateholders with respect to the operation and management of any
such
REO Property; and
(iv) the
Servicer shall be obligated with respect thereto to the same extent as if it
alone were performing all duties and obligations in connection with the
operation and management of such REO Property.
The
Servicer shall be entitled to enter into any agreement with any Independent
Contractor performing services for it related to its duties and obligations
hereunder for indemnification of the Servicer by such Independent Contractor,
and nothing in this Agreement shall be deemed to limit or modify such
indemnification. The Servicer shall be solely liable for all fees owed by it
to
any such Independent Contractor, irrespective of whether the Servicer’s
compensation pursuant to Section 3.18 is sufficient to pay such fees. With
respect to JPMorgan, the
fees
of such Independent Contractor may be reimbursable as a Servicing Advance and,
to the extent that any payments made by such Independent Contractor would
constitute Servicing Advances if made by JPMorgan, such amounts shall also
be
reimbursable as Servicing Advances made by JPMorgan.
(d) In
addition to the withdrawals permitted under Section 3.23(c), the Servicer may
from time to time make withdrawals from the REO Account for any REO Property:
(i) to pay itself or any Sub-Servicer unpaid Servicing Fees in respect of the
related Mortgage Loan; and (ii) to reimburse itself or any Sub-Servicer for
unreimbursed Servicing Advances and Advances made in respect of such REO
Property or the related Mortgage Loan. Any income from the related REO Property
received during any calendar months prior to a Final Recovery Determination,
net
of any withdrawals made pursuant to Section 3.23(c) or this Section 3.23(d),
shall be withdrawn by the Servicer from each REO Account maintained by it and
remitted to the Trust Administrator for deposit into the Distribution Account
in
accordance with Section 3.10(d)(ii) on the Servicer Remittance Date relating
to
a Final Recovery Determination with respect to such Mortgage Loan, for
distribution on the related Distribution Date in accordance with Section
4.01.
(e) Subject
to the time constraints set forth in Section 3.23(a), each REO Disposition
shall
be carried out by the Servicer at such price and upon such terms and conditions
as the Servicer shall deem necessary or advisable, as shall be normal and usual
in its general servicing activities for similar properties.
(f) The
proceeds from the REO Disposition, net of any amount required by law to be
remitted to the Mortgagor under the related Mortgage Loan and net of any payment
or reimbursement to the Servicer or any Sub-Servicer as provided above, shall
be
remitted to the Trust Administrator for deposit in the Distribution Account
in
accordance with Section 3.10(d)(ii) on the Servicer Remittance Date in the
month
following the receipt thereof for distribution on the related Distribution
Date
in accordance with Section 4.01. Any REO Disposition shall be for cash only
(unless changes in the REMIC Provisions made subsequent to the Startup Day
allow
a sale for other consideration).
(g) The
Servicer shall file information returns with respect to the receipt of mortgage
interest received in a trade or business, reports of foreclosures and
abandonments of any Mortgaged Property and cancellation of indebtedness income
with respect to any Mortgaged Property as required by Sections 6050H, 6050J
and
6050P of the Code, respectively. Such reports shall be in form and substance
sufficient to meet the reporting requirements imposed by such Sections 6050H,
6050J and 6050P of the Code.
| SECTION 3.24. |
Obligations
of the Servicer in Respect of Prepayment Interest
Shortfalls.
|
The
Servicer shall deliver to the Trust Administrator for deposit into the
Distribution Account on the Servicer Remittance Date from its own funds (or
from
a Sub-Servicer’s own funds received by the Servicer in respect of Compensating
Interest) an amount equal to the lesser of (i) the aggregate of the Prepayment
Interest Shortfalls for the related Distribution Date resulting from full or
partial Principal Prepayments during the related Prepayment Period and (ii)
the
applicable Compensating Interest Payment.
| SECTION 3.25. |
Obligations
of the Servicer in Respect of Monthly Payments.
|
In
the
event that a shortfall in any collection on or liability with respect to any
Mortgage Loan results from or is attributable to adjustments to Mortgage Rates,
Monthly Payments or Stated Principal Balances that were made by the Servicer
in
a manner not consistent with the terms of the related Mortgage Note and this
Agreement, the Servicer, upon discovery or receipt of notice thereof,
immediately shall deliver to the Trust Administrator for deposit in the
Distribution Account from its own funds the amount of any such shortfall and
shall indemnify and hold harmless the Trust Fund, the Trustee, the Trust
Administrator, the Depositor and any successor servicer in respect of any such
liability. Such indemnities shall survive the termination or discharge of this
Agreement. If amounts paid by the Servicer with respect to any Mortgage Loan
pursuant to this Section 3.25 are subsequently recovered from the related
Mortgagor, the Servicer shall be permitted to reimburse itself for such amounts
paid by it pursuant to this Section 3.25 from such recoveries.
| SECTION 3.26. |
Advance
Facility
|
(a) Either
(i) the Servicer or (ii) the Trust Administrator, on behalf of the Trust Fund,
with the consent of and at the direction of the Servicer, is hereby authorized
to enter into a facility with any Person which provides that such Person (an
“Advancing Person”) may fund Advances and/or Servicing Advances to the Trust
Fund under this Agreement, although no such facility shall reduce or otherwise
affect the Servicer’s obligation to fund such Advances and/or Servicing
Advances. If the Servicer enters into such an Advance Facility pursuant to
this
Section 3.26, upon reasonable request of the Advancing Person, the Trust
Administrator shall execute a letter of acknowledgment, confirming its receipt
of notice of the existence of such Advance Facility. If the Trust Administrator
enters into such an Advance Facility pursuant to this Section 3.26, the Servicer
shall also be a party to such Advance Facility. To the extent that an Advancing
Person funds any Advance or any Servicing Advance and provides the Trust
Administrator with notice acknowledged by the Servicer that such Advancing
Person is entitled to reimbursement, such Advancing Person shall be entitled
to
receive reimbursement pursuant to this Agreement for such amount to the extent
provided in Section 3.26(b). Such notice from the Advancing Person must specify
the amount of the reimbursement, the Section of this Agreement that permits
the
applicable Advance or Servicing Advance to be reimbursed and the section(s)
of
the Advance Facility that entitle the Advancing Person to request reimbursement
from the Trust Administrator, rather than the Servicer, and include the
Servicer’s acknowledgment thereto or proof of an Event of Default under the
Advance Facility. The Trust Administrator shall have no duty or liability with
respect to any calculation of any reimbursement to be paid to an Advancing
Person and shall be entitled to rely without independent investigation on the
Advancing Person’s notice provided pursuant to this Section 3.26. An Advancing
Person whose obligations hereunder are limited to the funding of Advances and/or
Servicing Advances shall not be required to meet the qualifications of a
Servicer or a Sub-Servicer pursuant to Section 3.02 hereof and will not be
deemed to be a Sub-Servicer under this Agreement.
(b) If
an
advancing facility is entered into, then the Servicer shall not be permitted
to
reimburse itself therefor under Section 3.11(a)(ii), Section 3.11(a)(iii) and
Section 3.11(a)(vi) prior to the remittance to the Trust Fund, but instead
the
Servicer shall include such amounts in the applicable remittance to the Trust
Administrator made pursuant to Section 3.11(a). The Trust Administrator is
hereby authorized to pay to the Advancing Person, reimbursements for Advances
and Servicing Advances from the Distribution Account to the same extent the
Servicer would have been permitted to reimburse itself for such Advances and/or
Servicing Advances in accordance with Section 3.11(a)(ii), Section 3.11(a)(iii)
and Section 3.11(a)(vi), as the case may be, had the Servicer itself funded
such
Advance or Servicing Advance. The Trust Administrator is hereby authorized
to
pay directly to the Advancing Person such portion of the Servicing Fee as the
parties to any advancing facility agree in writing.
(c) All
Advances and Servicing Advances made pursuant to the terms of this Agreement
shall be deemed made and shall be reimbursed on a “first in-first out” (FIFO)
basis.
(d) Any
amendment to this Section 3.26 or to any other provision of this Agreement
that
may be necessary or appropriate to effect the terms of an Advance Facility
as
described generally in this Section 3.26, including amendments to add provisions
relating to a successor servicer, may be entered into by the Trustee, the Trust
Administrator and the Servicer without the consent of any Certificateholder,
notwithstanding anything to the contrary in this Agreement.
| SECTION 3.27. |
Late
Remittance.
|
With
respect to any remittance received by the Master Servicer after the day on
which
such payment was due, the Servicer shall pay to the Master Servicer interest
on
any such late payment at an annual rate equal to the Prime Rate, adjusted as
of
the date of each change, plus three percentage points, but in no event greater
than the maximum amount permitted by applicable law. Such interest shall be
deposited in the Distribution Account by the Servicer on the date such late
payment is made and shall cover the period commencing with the day such payment
was due and ending with the Business Day on which such payment is made, both
inclusive. Such interest shall be remitted along with the distribution payable
on the next succeeding Servicer Remittance Date. The payment by the Servicer
of
any such interest shall not be deemed an extension of time for payment or a
waiver of any Servicer Event of Default.
ARTICLE
IIIA
ADMINISTRATION
AND SERVICING
OF
THE
MORTGAGE LOANS
| SECTION 3A.01. |
Master
Servicer to Act as Master Servicer
|
The
Master Servicer shall supervise, monitor and oversee the obligation of the
Servicer to service and administer the Mortgage Loans in accordance with the
terms of this Agreement and shall have full power and authority to do any and
all things which it may deem necessary or desirable in connection with such
master servicing and administration. In performing its obligations hereunder,
the Master Servicer shall act in a manner consistent with Accepted Master
Servicing Practices. Furthermore, the Master Servicer shall oversee and consult
with the Servicer as necessary from time-to-time to carry out the Master
Servicer’s obligations hereunder, shall receive, review and evaluate all
reports, information and other data provided to the Master Servicer by the
Servicer and shall cause the Servicer to perform and observe the covenants,
obligations and conditions to be performed or observed by the Servicer under
this Agreement. The Master Servicer shall independently monitor the Servicer’s
servicing activities with respect to each Mortgage Loan, reconcile the results
of such monitoring with such information provided in the previous sentence
on a
monthly basis and coordinate corrective adjustments to the Servicer’s and Master
Servicer’s records, and based on such reconciled and corrected information, the
Master Servicer shall provide such information to the Trust Administrator as
shall be necessary in order for it to prepare the statements specified in
Section 4.02, and prepare any other information and statements required to
be forwarded by the Master Servicer hereunder. The Master Servicer shall
reconcile the results of its Mortgage Loan monitoring with the actual
remittances of the Servicer to the Collection Account pursuant to Section
3.10.
The
Trustee shall furnish the Servicer and the Master Servicer with any powers
of
attorney and other documents in form as provided to it necessary or appropriate
to enable the Servicer and the Master Servicer to service and administer the
Mortgage Loans and REO Properties.
The
Trustee and the Trust Administrator shall provide access to the records and
documentation in possession of the Trustee or the Trust Administrator, as
applicable, regarding the Mortgage Loans and REO Properties and the servicing
thereof to the Certificateholders, the FDIC, and the supervisory agents and
examiners of the FDIC, such access being afforded only upon reasonable prior
written request and during normal business hours at the office of the Trustee
or
the Trust Administrator, as applicable; provided, however, that, unless
otherwise required by law, neither the Trustee nor the Trust Administrator
shall
be required to provide access to such records and documentation if the provision
thereof would violate the legal right to privacy of any Mortgagor. The Trustee
and the Trust Administrator shall allow representatives of the above entities
to
photocopy any of the records and documentation and shall provide equipment
for
that purpose at a charge that covers the Trustee’s or Trust Administrator’s, as
applicable, actual costs.
The
Trustee shall execute and deliver to the Servicer and the Master Servicer any
court pleadings, requests for trustee’s sale or other documents necessary or
desirable to (i) the foreclosure or trustee’s sale with respect to a Mortgaged
Property; (ii) any legal action brought to obtain judgment against any Mortgagor
on the Mortgage Note or Security Instrument; (iii) obtain a deficiency judgment
against the Mortgagor; or (iv) enforce any other rights or remedies provided
by
the Mortgage Note or Mortgage or otherwise available at law or
equity.
| SECTION 3A.02. |
[Reserved].
|
| SECTION 3A.03. |
Monitoring
of Servicer.
|
The
Master Servicer shall be responsible for reporting to the Trustee, the Trust
Administrator and the Depositor the compliance by the Servicer with its duties
under this Agreement. In the review of the Servicer’s activities, the Master
Servicer may rely upon an Officers’ Certificate of the Servicer (or similar
document signed by a Servicing Officer of the Servicer) with regard to the
Servicer’s compliance with the terms of this Agreement. In the event that the
Master Servicer, determines that the Servicer should be terminated in accordance
with the terms hereof, or that a notice should be sent pursuant to the terms
hereof with respect to the occurrence of an event that, unless cured, would
constitute grounds for such termination, the Master Servicer shall notify the
Depositor, the Trust Administrator and the Trustee thereof and the Master
Servicer shall issue such notice or take such other action as it deems
appropriate.
The
Master
Servicer (or if the Master Servicer is the Servicer, the Trustee), for
the
benefit of the Certificateholders, shall enforce the obligations of the Servicer
under this Agreement, and shall, in the event that it receives notice that
the
Servicer has failed to perform its obligations in accordance with this
Agreement, subject to the preceding paragraph, terminate the rights and
obligations of the Servicer hereunder and in accordance with the provisions
of
Article VII of this Agreement and act as Servicer of the Mortgage Loans or
appoint a successor servicer; provided, however, it is understood and
acknowledged by the parties hereto that there will be a period of transition
(not to exceed 90 days) before the actual servicing functions can be fully
transferred to such successor servicer. Such enforcement, including, without
limitation, the legal prosecution of claims and the pursuit of other appropriate
remedies, shall be in such form and carried out to such an extent and at such
time as the Master Servicer or Trustee, as applicable, in its good faith
business judgment, would require were it the owner of the Mortgage Loans. The
Master Servicer or the Trustee, as applicable, shall pay the costs of such
enforcement at its own expense, provided that the Master Servicer or the
Trustee, as applicable, shall not be required to prosecute or defend any legal
action except to the extent that the Master Servicer or the Trustee, as
applicable, shall have received reasonable indemnity for its costs and expenses
in pursuing such action.
To
the
extent that the costs and expenses of the Master Servicer or Trustee, as
applicable, related to any termination of the Servicer, appointment of a
successor servicer or the transfer and assumption of servicing by the Master
Servicer or the Trustee, as applicable, with respect to this Agreement
(including, without limitation, (i) all legal costs and expenses and all due
diligence costs and expenses associated with an evaluation of the potential
termination of the Servicer as a result of a Servicer Event of Default and
(ii)
all costs and expenses associated with the complete transfer of servicing,
including all servicing files and all servicing data and the completion,
correction or manipulation of such servicing data as may be required by the
successor servicer to correct any errors or insufficiencies in the servicing
data or otherwise to enable the successor servicer to service the Mortgage
Loans
in accordance with this Agreement) are not fully and timely reimbursed by the
terminated Servicer, the Master Servicer or the Trustee, as applicable, shall
be
entitled to reimbursement of such costs and expenses from the Distribution
Account.
The
Master Servicer (or if the Master Servicer is the Servicer, the Trustee) shall,
upon receipt from the Servicer, the Master Servicer or the Trust Administrator,
of notice of any failure of the Servicer to comply with the remittance
requirements and other obligations set forth in this Agreement, enforce such
obligations.
If
the
Master Servicer or the Trustee, as applicable, acts as Servicer, it will not
assume liability for the representations and warranties of the Servicer that
it
replaces.
| SECTION 3A.04. |
Fidelity
Bond.
|
The
Master Servicer, at its expense, shall maintain in effect a blanket fidelity
bond and an errors and omissions insurance policy, affording coverage with
respect to all directors, officers, employees and other Persons acting on such
Master Servicer’s behalf, and covering errors and omissions in the performance
of the Master Servicer’s obligations hereunder. The errors and omissions
insurance policy and the fidelity bond shall be in such form and amount
generally acceptable for entities serving as master servicer.
| SECTION 3A.05. |
Power
to Act; Procedures.
|
The
Master Servicer shall master service the Mortgage Loans and shall have full
power and authority, subject to the REMIC Provisions and the provisions of
Article X hereof, to do any and all things that it may deem necessary or
desirable in connection with the master servicing and administration of the
Mortgage Loans, including but not limited to the power and authority (i) to
execute and deliver, on behalf of the Certificateholders and the Trustee,
customary consents or waivers and other instruments and documents, (ii) to
consent to transfers of any Mortgaged Property and assumptions of the Mortgage
Notes and related Mortgages, (iii) to collect any Insurance Proceeds and
Liquidation Proceeds, and (iv) to effectuate foreclosure or other conversion
of
the ownership of the Mortgaged Property securing any Mortgage Loan, in each
case, in accordance with the provisions of this Agreement; provided, however,
that the Master Servicer shall not (and, consistent with its responsibilities
under Article X, shall not permit any Servicer to) knowingly or intentionally
take any action, or fail to take (or fail to cause to be taken) any action
reasonably within its control and the scope of duties more specifically set
forth herein, that, under the REMIC Provisions, if taken or not taken, as the
case may be, would cause the Trust REMIC to fail to qualify as a REMIC or result
in the imposition of a tax upon the Trust Fund (including but not limited to
the
tax on prohibited transactions as defined in Section 860F(a)(2) of the Code
and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code) unless the Master Servicer has received an Opinion of Counsel (but not
at
the expense of the Master Servicer) to the effect that the contemplated action
would not cause any REMIC to fail to qualify as a REMIC or result in the
imposition of a tax upon any REMIC. The Trustee shall furnish the Master
Servicer or the Servicer, upon written request from a Servicing Officer, with
any powers of attorney empowering the Master Servicer or the Servicer to execute
and deliver instruments of satisfaction or cancellation, or of partial or full
release or discharge, and to foreclose upon or otherwise liquidate Mortgaged
Property, and to appeal, prosecute or defend in any court action relating to
the
Mortgage Loans or the Mortgaged Property, in accordance with this Agreement,
and
the Trustee shall execute and deliver such other documents, as the Master
Servicer may request, to enable the Master Servicer to master service and
administer the Mortgage Loans and carry out its duties hereunder, in each case
in accordance with Accepted Master Servicing Practices (and the Trustee shall
have no liability for misuse of any such powers of attorney by the Master
Servicer or the Servicer). If the Master Servicer or the Trustee has been
advised that it is likely that the laws of the state in which action is to
be
taken prohibit such action if taken in the name of the Trustee or that the
Trustee would be adversely affected under the “doing business” or tax laws of
such state if such action is taken in its name, the Master Servicer shall join
with the Trustee in the appointment of a co-trustee pursuant to
Section 8.10 hereof. In the performance of its duties hereunder, the Master
Servicer shall be an independent contractor and shall not, except in those
instances where it is taking action in the name of the Trustee, be deemed to
be
the agent of the Trustee.
| SECTION 3A.06. |
Due
on Sale Clauses; Assumption
Agreements.
|
To
the
extent Mortgage Loans contain enforceable due-on-sale clauses, the Master
Servicer shall cause the Servicer to enforce such clauses in accordance with
this Agreement. If applicable law prohibits the enforcement of a due-on-sale
clause or such clause is otherwise not enforced in accordance with this
Agreement, and, as a consequence, a Mortgage Loan is assumed, the original
Mortgagor may be released from liability in accordance with this
Agreement.
| SECTION 3A.07. |
[Reserved].
|
| SECTION 3A.08. |
Documents,
Records and Funds in Possession of Master Servicer to be Held for
Trustee.
|
The
Master Servicer and the Servicers shall transmit to the Trustee (or the
Custodian on behalf of the Trustee) such documents and instruments coming into
the possession of the Master Servicer or the Servicers from time to time as
are
required by the terms hereof to be delivered to the Trustee, the Trust
Administrator or the Custodian. Any funds received by the Master Servicer or
by
the Servicer in respect of any Mortgage Loan or which otherwise are collected
by
the Master Servicer or by the Servicer as Liquidation Proceeds or Insurance
Proceeds in respect of any Mortgage Loan shall be held for the benefit of the
Trustee and the Certificateholders subject to the Master Servicer’s right to
retain its Master Servicing Fee or withdraw from the Distribution Account the
Master Servicing Compensation and other amounts provided in this Agreement,
and
to the right of the Servicer to retain its Servicing Fee and other amounts
as
provided in this Agreement. The Master Servicer shall, and subject to Section
3.22 shall cause the Servicer to, provide access to information and
documentation regarding the Mortgage Loans to the Trust Administrator, its
agents and accountants at any time upon reasonable request and during normal
business hours, and to Certificateholders that are savings and loan
associations, banks or insurance companies, the Office of Thrift Supervision,
the FDIC and the supervisory agents and examiners of such Office and Corporation
or examiners of any other federal or state banking or insurance regulatory
authority if so required by applicable regulations of the Office of Thrift
Supervision or other regulatory authority, such access to be afforded without
charge but only upon reasonable request in writing and during normal business
hours at the offices of the Master Servicer designated by it. In fulfilling
such
a request the Master Servicer shall not be responsible for determining the
sufficiency of such information.
All
Mortgage Files and funds collected or held by, or under the control of, the
Master Servicer or the Servicer, in respect of any Mortgage Loans, whether
from
the collection of principal and interest payments or from Liquidation Proceeds
or Insurance Proceeds, shall be held by the Servicer or the Master Servicer,
as
applicable, for and on behalf of the Trustee and the Certificateholders and
shall be and remain the sole and exclusive property of the Trustee; provided,
however, that the Master Servicer and the Servicer shall be entitled to setoff
against, and deduct from, any such funds any amounts that are properly due
and
payable to the Master Servicer or the Servicer under this
Agreement.
| SECTION 3A.09. |
Compensation
for the Master Servicer.
|
The
Master Servicer shall be entitled to the Master Servicing Fee with respect
to
each Mortgage Loan payable solely from payments of interest in respect of such
Mortgage Loan. The Master Servicer will also be entitled to all income and
gain
realized from any investment of funds in the Distribution Account, pursuant
to
Section 3A.11 and Section 3A.12, for the performance of its activities
hereunder (the “Master Servicing Compensation”). Servicing compensation in the
form of assumption fees, if any, late payment charges, as collected, if any,
or
otherwise shall be retained by the Servicer in accordance with Section 3.18.
The
Master Servicer shall be required to pay all expenses incurred by it in
connection with the performance of its duties hereunder and shall not be
entitled to reimbursement therefor except as provided in this
Agreement.
| SECTION 3A.10. |
Obligations
of the Master Servicer in Respect of Prepayment Interest
Shortfalls.
|
In
the
event of a Prepayment Interest Shortfall, the Master Servicer shall remit to
the
Trust Administrator, from its own funds and without right of reimbursement
(except as described below), not later than the related Distribution Date,
Compensating Interest in an amount equal to the lesser of (i) the aggregate
amounts in respect of Compensating Interest required to be paid by the Servicer
pursuant to Section 3.24 with respect to Prepayment Interest Shortfalls
attributable to Principal Prepayments in full on the Mortgage Loans for the
related Distribution Date and not so paid by the Servicer and (ii) the aggregate
compensation payable to the Master Servicer for the related collection period
under this Agreement. In the event the Master Servicer pays any amount in
respect of such Compensating Interest prior to the time it shall have succeeded
as successor servicer, the Master Servicer shall be subrogated to the Trust
Fund’s right to receive such amount from the Servicer. In the event the Trust
Fund receives from the Servicer all or any portion of amounts in respect of
Compensating Interest required to be paid by the Servicer pursuant to Section
3.24, not so paid by the Servicer when required, and paid by the Master Servicer
pursuant to this Section 3A.10, then the Master Servicer may reimburse
itself for the amount of Compensating Interest paid by the Master Servicer
from
such receipts by the Trust Fund.
| SECTION 3A.11. |
Distribution
Account.
|
On
behalf
of the Trust Fund, the Trust Administrator shall establish and maintain one
or
more accounts (such account or accounts, the “Distribution Account”), held in
trust for the benefit of the Trustee and the Certificateholders. The
Distribution Account shall be an Eligible Account. The Master Servicer will
deposit in the Distribution Account as identified by the Master Servicer and
as
received by the Master Servicer, the following amounts:
(1) Any
amounts remitted to the Master Servicer by the Servicer from the Collection
Account;
(2) Any
Advances received from the Servicer or made by the Master Servicer or (if the
Master Servicer is the Servicer) the Trustee (in each case in its capacity
as
successor servicer), and any payments of Compensating Interest received from
the
Servicer or made by the Master Servicer (unless, in the case of the Master
Servicer, such amounts are deposited by the Master Servicer directly into the
Distribution Account);
(3) Any
Insurance Proceeds or Net Liquidation Proceeds received by or on behalf of
the
Master Servicer or which were not deposited in the Collection
Account;
(4)
Any
amounts required to be deposited with respect to losses on investments of
deposits in the Distribution Account; and
(5) Any
other
amounts received by or on behalf of the Master Servicer and required to be
deposited in the Distribution Account pursuant to this Agreement.
All
amounts deposited to the Distribution Account shall be held by the Master
Servicer in the name of the Trustee in trust for the benefit of the
Certificateholders in accordance with the terms and provisions of this
Agreement. The requirements for crediting the Distribution Account shall be
exclusive, it being understood and agreed that, without limiting the generality
of the foregoing, payments in the nature of (A) the Master Servicing Fee, (B)
late payment charges or assumption, tax service, statement account or payoff,
substitution, satisfaction, release and other like fees and charges and (C)
the
items enumerated in Section 3A.12(a) (with respect the clearing and
termination of the Distribution Account and with respect to amounts deposited
in
error), in Section 3A.12(b) or in clauses (i), (ii), (iii) and (iv), (v) of
Section 3A.12(c), need not be credited by the Master Servicer to the
Distribution Account. In the event that the Master Servicer shall deposit or
cause to be deposited to the Distribution Account any amount not required to
be
credited thereto, the Trustee or the Trust Administrator, upon receipt of a
written request therefor signed by a Servicing Officer of the Master Servicer,
shall promptly transfer such amount to the Master Servicer, any provision herein
to the contrary notwithstanding.
The
Trust
Administrator may direct any depository institution maintaining the Distribution
Account to invest the funds on deposit in such account or to hold such funds
uninvested. All investments pursuant to this Section 3A.11 shall be in one
or more Permitted Investments bearing interest or sold at a discount, and
maturing, unless payable on demand, (i) no later than the Business Day
immediately preceding the date on which such funds are required to be withdrawn
from such account pursuant to this Agreement, if a Person other than the Trust
Administrator is the obligor thereon or if such investment is managed or advised
by a Person other than the Trust Administrator or an Affiliate of the Trust
Administrator, and (ii) no later than the date on which such funds are required
to be withdrawn from such account pursuant to this Agreement, if the Trust
Administrator is the obligor thereon or if such investment is managed or advised
by the Trust Administrator or any Affiliate. All such Permitted Investments
shall be held to maturity, unless payable on demand. Any investment of funds
in
the Distribution Account shall be made in the name of the Trustee, or in the
name of a nominee of the Trust Administrator. The Trust Administrator shall
be
entitled to sole possession over each such investment, and any certificate
or
other instrument evidencing any such investment shall be delivered directly
to
the Trust Administrator or its agent, together with any document of transfer
necessary to transfer title to such investment to the Trust Administrator or
its
nominee. In the event amounts on deposit in the Distribution Account are at
any
time invested in a Permitted Investment payable on demand, the Trust
Administrator shall:
(x) consistent
with any notice required to be given thereunder, demand that payment thereon
be
made on the last day such Permitted Investment may otherwise mature hereunder
in
an amount equal to the lesser of (1) all amounts then payable thereunder and
(2)
the amount required to be withdrawn on such date; and
(y) demand
payment of all amounts due thereunder promptly upon determination by a
Responsible Officer of the Trust Administrator that such Permitted Investment
would not constitute a Permitted Investment in respect of funds thereafter
on
deposit in the Distribution Account.
All
income and gain realized from the investment of funds deposited in the
Distribution Account shall be for the benefit of the Master Servicer. The Trust
Administrator shall deposit in the Distribution Account the amount of any loss
of principal incurred in respect of any such Permitted Investment made with
funds in such Account immediately upon realization of such loss.
| SECTION 3A.12. |
Permitted
Withdrawals and Transfers from the Distribution
Account.
|
The
Trust
Administrator will, from time to time on demand of the Master Servicer, the
Servicer or the Trustee, make or cause to be made such withdrawals or transfers
from the Distribution Account pursuant to this Agreement. The Trust
Administrator may clear and terminate the Distribution Account pursuant to
Section 9.01 and remove amounts from time to time deposited in
error.
On
an
ongoing basis, the Trust Administrator shall withdraw funds from the
Distribution Account to pay (i) any Extraordinary Trust Fund Expenses including
but not limited to amounts payable to the Servicer or the Depositor pursuant
to
Section 6.03(b) or Master Servicer pursuant to Section 6.03(c), and (ii) any
amounts expressly payable to the Master Servicer as set forth in Section
3A.09.
The
Trust
Administrator may withdraw from the Distribution Account any of the following
amounts (in the case of any such amount payable or reimbursable to the Servicer,
only to the extent the Servicer shall not have paid or reimbursed itself such
amount prior to making any remittance to the Master Servicer pursuant to the
terms of this Agreement):
(i) (a)
to
pay to the Master Servicer any unpaid Master Servicing Fees and (b) to reimburse
the Master Servicer or (if the Master Servicer is the Servicer) the Trustee
(to
the extent either of them is obligated to do so as successor Servicer) for
any
Advance of its own funds, the right of the Master Servicer or the Trustee,
as
applicable, to reimbursement pursuant to this subclause (i) being limited to
amounts received on a particular Mortgage Loan (including, for this purpose,
the
Purchase Price therefor, Insurance Proceeds, Liquidation Proceeds and Subsequent
Recoveries) which represent late payments or recoveries of the principal of
or
interest on such Mortgage Loan respecting which such Advance was
made;
(ii) to
reimburse the Master Servicer from Insurance Proceeds, Liquidation Proceeds
or
Subsequent Recoveries relating to a particular Mortgage Loan for amounts
expended by the Master Servicer in good faith in connection with the restoration
of the related Mortgaged Property which was damaged by an Uninsured Cause or
in
connection with the liquidation of such Mortgage Loan;
(iii) to
reimburse the Master Servicer from Insurance Proceeds relating to a particular
Mortgage Loan for insured expenses incurred with respect to such Mortgage Loan
and to reimburse the Master Servicer from Liquidation Proceeds and Subsequent
Recoveries from a particular Mortgage Loan for Liquidation Expenses incurred
with respect to such Mortgage Loan;
(iv) to
reimburse the Master Servicer for advances of funds (other than Advances) made
with respect to the Mortgage Loans, and the right to reimbursement pursuant
to
this subclause being limited to amounts received on the related Mortgage Loan
(including, for this purpose, the Purchase Price therefor, Insurance Proceeds,
Liquidation Proceeds and Subsequent Recoveries) which represent late recoveries
of the payments for which such advances were made;
(v) to
reimburse the Master Servicer (or if the Master Servicer is the Servicer) the
Trustee (to the extent either of them is obligated to do so as successor
Servicer) for any Advance or Servicing Advance, after a Realized Loss has been
allocated with respect to the related Mortgage Loan if the Advance or Servicing
Advance has not been reimbursed pursuant to clauses (i) through
(iv);
(vi) to
make
distributions in accordance with Section 4.01;
(vii) to
pay
compensation to the Trust Administrator on each Distribution Date;
(viii) to
pay
any amounts in respect of taxes pursuant to Section 10.01(g);
(ix) without
duplication of the amount set forth in clause (iii) above, to pay any
Extraordinary Trust Fund Expenses to the extent not paid by the Master Servicer
from the Distribution Account;
(x) without
duplication of any of the foregoing, to reimburse or pay the Servicer any such
amounts as are due thereto under this Agreement and have not been retained
by or
paid to the Servicer, to the extent provided in this Agreement and to refund
to
the Servicer any amount remitted by the Servicer to the Master Servicer in
error;
(xi) to
pay to
the Master Servicer, any interest or investment income earned on funds deposited
in the Distribution Account;
(xii) to
pay
the Credit Risk Manager the Credit Risk Manager Fee;
(xiii) to
withdraw any amount deposited in the Distribution Account in error;
and
(xiv) to
clear
and terminate the Distribution Account pursuant to
Section 9.01.
The
Master Servicer shall keep and maintain separate accounting, on a Mortgage
Loan
by Mortgage Loan basis, for the purpose of accounting for any reimbursement
from
the Distribution Account pursuant to clauses (i) through (v) above or with
respect to any such amounts which would have been covered by such clauses had
the amounts not been retained by the Master Servicer without being deposited
in
the Distribution Account.
On
or
before the Business Day prior to each Distribution Date, the Master Servicer
or
(if the Master Servicer is the Servicer) the Trustee (to the extent either
of
them is obligated to do so as successor Servicer) shall remit to the Trust
Administrator for deposit in the Distribution Account any Advances required
to
be made and the Master Servicer shall deposit in the Distribution Account any
Compensating Interest required to be paid, in either such case by the Master
Servicer or the Trustee, as applicable, with respect to the Mortgage
Loans.
ARTICLE
IV
PAYMENTS
TO CERTIFICATEHOLDERS
| SECTION 4.01. |
Distributions.
|
(a) On
each
Distribution Date, the following amounts, in the following order of priority,
shall be distributed by REMIC I to REMIC II on account of the REMIC I Group
I
Regular Interests and distributed to the holders of the Class R Certificates
(in
respect of the Class R-I Interest), as the case may be:
(i) to
Holders of REMIC I Regular Interest I, REMIC I Regular Interest I-1-A through
I-43-B and REMIC I Regular Interest II-1-A through I-31-B, pro rata, in an
amount equal to (A) Uncertificated Interest for such REMIC I Regular Interests
for such Distribution Date, plus (B) any amounts payable in respect thereof
remaining unpaid from previous Distribution Dates.
(ii) to
the
extent of amounts remaining after the distributions made pursuant to clause
(1)
above, payments of principal shall be allocated as follows: (A) first, to REMIC
I Regular Interest I and then to REMIC I Regular Interests I-1-A through I-43-B
and REMIC I Regular Interests I-1-A through I-31-B starting with the lowest
numerical denomination until the Uncertificated Balance of each such REMIC
I
Regular Interest is reduced to zero, provided that, for REMIC I Regular
Interests with the same numerical denomination, such payments of principal
shall
be allocated (y) first to the REMIC I Group I Regular Interests pro rata between
such REMIC I Regular Interests and (z) then to the REMIC I Group II Regular
Interests pro rata between such REMIC I Regular Interests and (B) second, to
the
extent of any Overcollateralization Reduction Amounts, first to REMIC I Regular
Interest I until the Uncertificated Balance of such REMIC I Regular Interest
is
reduced to zero, then, to REMIC I Regular Interests I-1-A through I-43-B and
REMIC I Regular Interests I-1-A through I-31-B starting with the lowest
numerical denomination until the Uncertificated Balance of each such REMIC
I
Regular Interest is reduced to zero, provided that, for REMIC I Regular
Interests with the same numerical denomination, such Overcollateralization
Reduction Amounts shall be allocated (y) first to the REMIC I Group I Regular
Interests pro rata between such REMIC I Regular Interests and (z) then to the
REMIC I Group II Regular Interests pro rata between such REMIC I Regular
Interests.
(iii) to
the
Holders of REMIC I Regular Interest I-LTP, (A) all amounts representing
Prepayment Charges (other
than any Originator Prepayment Charge Payment Amount)
in
respect of the Mortgage Loans received during the related Prepayment Period
and
(B) on the Distribution Date immediately following the expiration of the latest
Prepayment Charge as identified on the Prepayment Charge Schedule or any
Distribution Date thereafter until $100 has been distributed pursuant to this
clause.
(b) On
each
Distribution Date, the following amounts, in the following order of priority,
shall be distributed by REMIC II to REMIC III on account of the REMIC II Regular
Interests or withdrawn from the Distribution Account and distributed to the
holders of the Class R Certificates (in respect of the Class R-II Interest),
as
the case may be:
(i) to
the
Holders of REMIC II Regular Interest II-LTIO-1 and REMIC II Regular Interest
II-LTIO-2, in an amount equal to (a) Uncertificated Accrued Interest for such
REMIC II Regular Interest for such Distribution Date, plus (B) any amounts
in
respect thereof remaining unpaid from previous Distribution Dates.
(ii) to
Holders of REMIC II Regular Interest II-LTAA, REMIC II Regular Interest II-LTA1,
REMIC II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3, REMIC
II
Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC II Regular
Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular Interest
II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular Interest II-LTM6,
REMIC II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8, REMIC
II
Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10, REMIC II Regular
Interest II-LTM11, REMIC II Regular Interest II-LTZZ and REMIC II Regular
Interest II-LTP, pro
rata,
in an
amount equal to (A) the Uncertificated Interest for such Distribution Date,
plus
(B) any amounts in respect thereof remaining unpaid from previous Distribution
Dates. Amounts payable as Uncertificated Interest in respect of REMIC II Regular
Interest II-LTZZ shall be reduced and deferred when the REMIC II
Overcollateralized Amount is less than the REMIC II Required
Overcollateralization Amount, by the lesser of (x) the amount of such difference
and (y) the Maximum II-LTZZ Uncertificated Interest Deferral Amount and such
amount will be payable to the Holders of REMIC II Regular Interest II-LTA1,
REMIC II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3, REMIC
II
Regular Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC II Regular
Interest II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular Interest
II-LTM4, REMIC II Regular Interest II-LTM5, REMIC II Regular Interest II-LTM6,
REMIC II Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8, REMIC
II
Regular Interest II-LTM9, REMIC II Regular Interest II-LTM10 and REMIC II
Regular Interest II-LTM11 in the same proportion as the Overcollateralization
Deficiency Amount is allocated to the Corresponding Certificates and the
Uncertificated Balance of REMIC II Regular Interest II-LTZZ shall be increased
by such amount; and
(iii) to
the
Holders of REMIC II Regular Interest II-LTP, (A) on each Distribution Date,
100%
of the amount paid in respect of Prepayment Charges (other than any Originator
Prepayment Charge Payment Amount) and (B) on the Distribution Date immediately
following the expiration of the latest Prepayment Charge as identified on the
Prepayment Charge Schedule or any Distribution Date thereafter until $100 has
been distributed pursuant to this clause;
(iv) to
the
Holders of the REMIC II Regular Interests, in an amount equal to the remainder
of the Available Funds for such Distribution Date after the distributions made
pursuant to clauses (i), (ii) and (iii) above, allocated as
follows:
(a) 98.00%
of
such remainder to the Holders of REMIC II Regular Interest II-LTAA, until the
Uncertificated Balance of such REMIC II Regular Interest is reduced to
zero;
(b) 2.00%
of
such remainder, first to the Holders of REMIC II Regular Interest II-LTA1,
REMIC
II Regular Interest II-LTA2, REMIC II Regular Interest II-LTA3, REMIC II Regular
Interest II-LTA4, REMIC II Regular Interest II-LTM1, REMIC II Regular Interest
II-LTM2, REMIC II Regular Interest II-LTM3, REMIC II Regular Interest II-LTM4,
REMIC II Regular Interest II-LTM5, REMIC II Regular Interest II-LTM6, REMIC
II
Regular Interest II-LTM7, REMIC II Regular Interest II-LTM8, REMIC II Regular
Interest II-LTM9, REMIC II Regular Interest II-LTM10 and REMIC II Regular
Interest II-LTM11, equal to 1.00% of and in the same proportion as principal
payments are allocated to the Corresponding Certificates, until the
Uncertificated Balances of such REMIC II Regular Interests are reduced to zero
and second, to the Holders of REMIC II Regular Interest II-LTZZ, 1.00%, until
the Uncertificated Balance of such REMIC II Regular Interest is reduced to
zero;
and
(c) any
remaining amount to the Holders of the Class R Certificates (in respect of
the
Class R-II Interest);
provided,
however, that (i) 98.00% and (ii) 2.00% of any principal payments that are
attributable to an Overcollateralization Release Amount shall be allocated
to
Holders of (i) REMIC II Regular Interest II-LTAA and REMIC II Regular Interest
II-LTZZ, respectively; once the Uncertificated Principal Balances of REMIC
II
Regular Interest II-LTA1, REMIC II Regular Interest II-LTA2, REMIC II Regular
Interest II-LTA3, REMIC II Regular Interest II-LTA4, REMIC II Regular Interest
II-LTM1, REMIC II Regular Interest II-LTM2, REMIC II Regular Interest II-LTM3,
REMIC II Regular Interest II-LTM4, REMIC II Regular Interest II-LTM5, REMIC
II
Regular Interest II-LTM6, REMIC II Regular Interest II-LTM7, REMIC II Regular
Interest II-LTM8, REMIC II Regular Interest II-LTM9, REMIC II Regular Interest
II-LTM10, and REMIC II Regular Interest II-LTM11 have been reduced to
zero.
On
each
Distribution Date, all amounts representing Prepayment Charges (other than
any
Originator Prepayment Charge Payment Amount) in respect of the Mortgage Loans
during the related Prepayment Period will be distributed by REMIC II to the
Holders of REMIC II Regular Interest II-LTP. The payment of the foregoing
amounts to the Holders of REMIC II Regular Interest II-LTP shall not reduce
the
Uncertificated Balance thereof.
(c) On
each
Distribution Date, the Trust Administrator shall withdraw from the Distribution
Account that portion of Available Funds for such Distribution Date consisting
of
the Interest Remittance Amount for such Distribution Date, and make the
following distributions in the order of priority described below, in each case
to the extent of the Interest Remittance Amount remaining for such Distribution
Date:
(i) concurrently,
to the Holders of the Class A Certificates, on a pro
rata
basis
based on the entitlement of each such Class, the Monthly Interest Distributable
Amount and the Unpaid Interest Shortfall Amount, if any, for such Certificates
for such Distribution Date; and
(ii) sequentially,
to the Holders of the Class M-1 Certificates, the Class M-2 Certificates, the
Class M-3 Certificates, the Class M-4 Certificates, the Class M-5 Certificates,
the Class M-6 Certificates, the Class M-7 Certificates, the Class M-8
Certificates, the Class M-9 Certificates, the Class M-10 Certificates and the
Class M-11 Certificates, in that order, the Monthly Interest Distributable
Amount allocable to each such Class of Certificates.
(d) (I)On
each
Distribution Date (a) prior to the Stepdown Date or (b) on which a Trigger
Event
is in effect, distributions in respect of principal to the extent of the
Principal Distribution Amount shall be made in the following amounts and order
of priority:
(i) to
the
Holders of the Class A Certificates (allocated among the Class A Certificates
in
the priority described below), until the Certificate Principal Balances thereof
have been reduced to zero; and
(ii) sequentially,
to the Holders of the Class M-1 Certificates, the Class M-2 Certificates, the
Class M-3 Certificates, the Class M-4 Certificates, the Class M-5 Certificates,
the Class M-6 Certificates, the Class M-7 Certificates, the Class M-8
Certificates, the Class M-9 Certificates, the Class M-10 Certificates and the
Class M-11 Certificates, in that order, until the Certificate Principal Balances
thereof have been reduced to zero.
(II) On
each
Distribution Date (a) on or after the Stepdown Date and (b) on which a Trigger
Event is not in effect, distributions in respect of principal to the extent
of
the Principal Distribution Amount shall be made in the following amounts and
order of priority:
(i) to
the
Holders of the Class A Certificates (allocated among the Class A Certificates
in
the priority described below), the Senior Principal Distribution Amount until
the Certificate Principal Balances thereof have been reduced to zero;
(ii) to
the
Holders of the Class M-1 Certificates, the Class M-1 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(iii) to
the
Holders of the Class M-2 Certificates, the Class M-2 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(iv) to
the
Holders of the Class M-3 Certificates, the Class M-3 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(v) to
the
Holders of the Class M-4 Certificates, the Class M-4 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(vi) to
the
Holders of the Class M-5 Certificates, the Class M-5 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(vii) to
the
Holders of the Class M-6 Certificates, the Class M-6 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(viii) to
the
Holders of the Class M-7 Certificates, the Class M-7 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(ix) to
the
Holders of the Class M-8 Certificates, the Class M-8 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(x) to
the
Holders of the Class M-9 Certificates, the Class M-9 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
(xi) to
the
Holders of the Class M-10 Certificates, the Class M-10 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero;
and
(xii) to
the
Holders of the Class M-11 Certificates, the Class M-11 Principal Distribution
Amount until the Certificate Principal Balance thereof has been reduced to
zero.
With
respect to the Class A Certificates, all principal distributions will be
distributed sequentially to the Class A-1 Certificates, the Class A-2
Certificates, the Class A-3 Certificates and the Class A-4 Certificates, in
that
order, until their respective Certificate Principal Balances have been reduced
to zero. Notwithstanding any provisions contained in this Agreement to the
contrary, on any Distribution Date on which the aggregate Certificate Principal
Balance of the Subordinate Certificates has been reduced to zero, all
distributions of principal to the Class A Certificates shall be distributed
concurrently to the Class A-1 Certificates, the Class A-2 Certificates, the
Class A-3 Certificates and the Class A-4 Certificates, on a pro
rata
basis
based on the Certificate Principal Balance of each such Class.
(e) On
each
Distribution Date, the Net Monthly Excess Cashflow shall be distributed as
follows:
(i) to
the
Holders of the Class or Classes of Certificates then entitled to receive
distributions in respect of principal, in an amount equal to any Extra Principal
Distribution Amount, without taking into account amounts, if any, received
under
the Cap Contract and the Interest Rate Swap Agreements, distributable to such
Holders as part of the Principal Distribution Amount, as applicable, as
described under Section 4.01(b) above;
(ii) sequentially,
to the Holders of the Class M-1 Certificates, Class M-2 Certificates, Class
M-3
Certificates, Class M-4 Certificates, Class M-5 Certificates, Class M-6
Certificates, Class M-7 Certificates, Class M-8 Certificates, Class M-9
Certificates, Class M-10 Certificates and Class M-11 Certificates, in that
order, in each case first, in an amount equal to the Unpaid Interest Shortfall
Amount allocable to such Certificates and second, in an amount equal to the
Allocated Realized Loss Amount allocable to such Certificates;
(iii) to
the
Net WAC Rate Carryover Reserve Account, the amount of any Net WAC Rate Carryover
Amounts, without taking into account amounts, if any, received under the Cap
Contract and the Interest Rate Swap Agreements;
(iv) to
the
Swap Providers, any Swap Termination Payments resulting from a Swap Provider
Trigger Event;
(v) to
the
Holders of the Class CE Certificates, (a) the Monthly Interest Distributable
Amount and any Overcollateralization Release Amount for such Distribution Date
and (b) on any Distribution Date on which the aggregate Certificate Principal
Balance of the Class A Certificates and the Mezzanine Certificates has been
reduced to zero, any remaining amounts in reduction of the Certificate Principal
Balance of the Class CE Certificates, until the Certificate Principal Balance
thereof has been reduced to zero;
(vi) if
such
Distribution Date follows the Prepayment Period during which occurs the latest
date on which a Prepayment Charge may be required to be paid in respect of
any
Mortgage Loans, to the Holders of the Class P Certificates, in reduction of
the
Certificate Principal Balance thereof, until the Certificate Principal Balance
thereof is reduced to zero; and
(vii) any
remaining amounts to the Holders of the Residual Certificates (in respect of
the
appropriate Class R Interest).
Without
limiting the provisions of Section 9.01(b), by acceptance of the Residual
Certificates the Holders of the Residual Certificates agree, and it is the
understanding of the parties hereto, that for so long as any of the notes issued
pursuant to the Indenture are outstanding or any amounts are reimbursable or
payable to the NIMS Insurer in accordance with the terms of the Indenture,
to
pledge their rights to receive any amounts otherwise distributable to the
Holders of the Class R Certificates (and such rights are hereby assigned and
transferred) to the Holders of the Class CE Certificates.
(f) On
each
Distribution Date, after making the distributions of the Available Funds as
set
forth above, the Trust Administrator will withdraw from the Net WAC Rate
Carryover Reserve Account, to the extent of amounts remaining on deposit
therein, the amount of any Net WAC Rate Carryover Amount for such Distribution
Date and distribute such amount in the following order of priority:
(i)
concurrently, to the Class A Certificates, on a pro
rata
basis
based on the remaining Net WAC Rate Carryover Amount for each such Class;
and
(ii) (ii)
sequentially, to the Class M-1 Certificates, Class M-2 Certificates, Class
M-3
Certificates, Class M-4 Certificates, Class M-5 Certificates, Class M-6
Certificates, Class M-7 Certificates, Class M-8 Certificates, Class M-9
Certificates, Class M-10 Certificates and Class M-11 Certificates, in that
order, the Net WAC Rate Carryover Amount for each such Class.
On
each
Distribution Date, the Trust Administrator shall withdraw any amounts then
on
deposit in the Distribution Account that represent (i) Prepayment Charges
collected by the related Servicer and remitted to the Master Servicer in
connection with the Principal Prepayment of any of the Mortgage Loans or (ii)
any Servicer Prepayment Charge Payment Amounts, and shall distribute such
amounts to the Holders of the Class P Certificates. Such distributions shall
not
be applied to reduce the Certificate Principal Balance of the Class P
Certificates.
Following
the foregoing distributions, an amount equal to the amount of Subsequent
Recoveries remitted to the Master Servicer shall be applied to increase the
Certificate Principal Balance of the Class of Certificates with the Highest
Priority up to the extent of such Realized Losses previously allocated to that
Class of Certificates pursuant to Section 4.04. An amount equal to the
amount of any remaining Subsequent Recoveries shall be applied to increase
the
Certificate Principal Balance of the Class of Certificates with the next Highest
Priority, up to the amount of such Realized Losses previously allocated to
that
Class of Certificates pursuant to Section 4.04. Holders of such
Certificates will not be entitled to any distribution in respect of interest
on
the amount of such increases for any Accrual Period preceding the Distribution
Date on which such increase occurs. Any such increases shall be applied to
the
Certificate Principal Balance of each Certificate of such Class in accordance
with its respective Percentage Interest.
(g) On
each
Distribution Date, after making the distributions of the Available Funds, Net
Monthly Excess Cashflow and amounts on deposit in the Net WAC Rate Carryover
Reserve Account as set forth above, the Trust Administrator shall distribute
the
amount on deposit in the Swap Account as follows:
(i) to
the
Swap Providers, any Net Swap Payment owed to a Swap Provider pursuant to the
related Interest Rate Swap Agreement for such Distribution Date;
(ii) to
the
Swap Providers, any Swap Termination Payment owed to a Swap Provider not due
to
a Swap Provider Trigger Event pursuant to the related Interest Rate Swap
Agreement;
(iii) concurrently,
to each Class of Class A Certificates, the related Monthly Interest
Distributable Amount and Unpaid Interest Shortfall Amount remaining
undistributed after the distributions of the Interest Remittance Amount, on
a
pro rata basis based on such respective remaining Monthly Interest Distributable
Amount and Unpaid Interest Shortfall Amount;
(iv) sequentially,
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, the related Monthly Interest Distributable Amount and Unpaid Interest
Shortfall Amount, to the extent remaining undistributed after the distributions
of the Interest Remittance Amount and the Net Monthly Excess
Cashflow;
(v) to
the
Holders of the Class or Classes of Certificates then entitled to receive
distributions in respect of principal, in an amount equal to any Extra Principal
Distribution Amount, without taking into account amounts, if any, received
under
the Interest Rate Swap Agreements, distributable to such Holders as part of
the
Principal Distribution Amount, remaining undistributed after distribution of
the
Net Monthly Excess Cashflow;
(vi) sequentially
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, in each case up to the related Allocated Realized Loss Amount related
to
such Certificates for such Distribution Date remaining undistributed after
distribution of the Net Monthly Excess Cashflow;
(vii) concurrently,
to each Class of Class A Certificates, the Net WAC Rate Carryover Amount, to
the
extent remaining undistributed after distributions are made from the Net WAC
Rate Carryover Reserve Account, on a pro rata basis based on such respective
Net
WAC Rate Carryover Amounts remaining; and
(viii) sequentially,
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, the Net WAC Rate Carryover Amount, to the extent remaining undistributed
after distributions are made from the Net WAC Rate Carryover Reserve
Account.
(h) On
each
Distribution Date, after making the distributions of the Available Funds, Net
Monthly Excess Cashflow, amounts on deposit in the Net WAC Rate Carryover
Reserve Account and amounts on deposit in the Swap Account as set forth above,
the Trust Administrator shall distribute the amount on deposit in the Cap
Account as follows:
(1) concurrently,
to each Class of Class A Certificates, the related Monthly Interest
Distributable Amount and Unpaid Interest Shortfall Amount remaining
undistributed after the distributions of the Interest Remittance Amount, on
a
pro
rata
basis
based on such respective remaining Monthly Interest Distributable Amount and
Unpaid Interest Shortfall Amount;
(2) sequentially,
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, the related Monthly Interest Distributable Amount and Unpaid Interest
Shortfall Amount, to the extent remaining undistributed after the distributions
of the Interest Remittance Amount and the Net Monthly Excess
Cashflow;
(3) to
the
Holders of the Class or Classes of Certificates then entitled to receive
distributions in respect of principal, in an amount equal to any Extra Principal
Distribution Amount, without taking into account amounts, if any, received
under
the Interest Rate Swap Agreement, distributable to such Holders as part of
the
Principal Distribution Amount, remaining undistributed after distribution of
the
Net Monthly Excess Cashflow;
(4) sequentially
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, in each case up to the related Allocated Realized Loss Amount related
to
such Certificates for such Distribution Date remaining undistributed after
distribution of the Net Monthly Excess Cashflow;
(5) concurrently,
to each Class of Class A Certificates, the related Net WAC Rate Carryover
Amount, to the extent remaining undistributed after distributions are made
from
the Net WAC Rate Carryover Reserve Account, on a pro
rata
basis
based on such respective Net WAC Rate Carryover Amounts remaining;
(6) sequentially,
to the Class ▇-▇, ▇▇▇▇▇ ▇-▇, Class M-3, Class M-4, Class M-5, Class M-6, Class
M-7, Class M-8, Class M-9, Class M-10 and Class M-11 Certificates, in that
order, the related Net WAC Rate Carryover Amount, to the extent remaining
undistributed after distributions are made from the Net WAC Rate Carryover
Reserve Account; and
(7) any
remaining amount to the Holders of the Class CE Certificates.
(i) Distributions
made with respect to each Class of Certificates on each Distribution Date shall
be allocated pro
rata
among
the outstanding Certificates in such Class based on their respective Percentage
Interests. Distributions in respect of each Class of Certificates on each
Distribution Date will be made to the Holders of the respective Class of record
on the related Record Date (except as otherwise provided in Section 4.01(d)
or Section 9.01 respecting the final distribution on such Class), based on
the aggregate Percentage Interest represented by their respective Certificates,
and shall be made by wire transfer of immediately available funds to the account
of any such Holder at a bank or other entity having appropriate facilities
therefor, if such Holder shall have so notified the Trust Administrator in
writing at least five Business Days prior to the Record Date immediately prior
to such Distribution Date and is the registered owner of Certificates having
an
initial aggregate Certificate Principal Balance or Notional Amount that is
in
excess of the lesser of (i) $5,000,000 or (ii) two-thirds of the initial
Certificate Principal Balance or Notional Amount of such Class of Certificates,
or otherwise by check mailed by first class mail to the address of such Holder
appearing in the Certificate Register. The final distribution on each
Certificate will be made in like manner, but only upon presentment and surrender
of such Certificate at the Corporate Trust Office of the Trust Administrator
or
such other location specified in the notice to Certificateholders of such final
distribution.
Each
distribution with respect to a Book-Entry Certificate shall be paid to the
Depository, as Holder thereof, and the Depository shall be responsible for
crediting the amount of such distribution to the accounts of its Depository
Participants in accordance with its normal procedures. Each Depository
Participant shall be responsible for disbursing such distribution to the
Certificate Owners that it represents and to each indirect participating
brokerage firm (a “brokerage firm” or “indirect participating firm”) for which
it acts as agent. Each brokerage firm shall be responsible for disbursing funds
to the Certificate Owners that it represents. None of the Trustee, the Trust
Administrator, the Depositor or the Master Servicer shall have any
responsibility therefor except as otherwise provided by this Agreement or
applicable law.
(j) The
rights of the Certificateholders to receive distributions in respect of the
Certificates, and all interests of the Certificateholders in such distributions,
shall be as set forth in this Agreement. None of the Holders of any Class of
Certificates, the Trustee, the Trust Administrator or the Master Servicer shall
in any way be responsible or liable to the Holders of any other Class of
Certificates in respect of amounts properly previously distributed on the
Certificates.
(k) Except
as
otherwise provided in Section 9.01, whenever the Trust Administrator
expects that the final distribution with respect to any Class of Certificates
will be made on the next Distribution Date, the Trust Administrator shall,
no
later than three (3) days before the related Distribution Date, mail to each
Holder on such date of such Class of Certificates a notice to the effect
that:
(i) the
Trust
Administrator expects that the final distribution with respect to such Class
of
Certificates will be made on such Distribution Date but only upon presentation
and surrender of such Certificates at the office of the Trust Administrator
therein specified, and
(ii) no
interest shall accrue on such Certificates from and after the end of the related
Accrual Period.
Any
funds
not distributed to any Holder or Holders of Certificates of such Class on such
Distribution Date because of the failure of such Holder or Holders to tender
their Certificates shall, on such date, be set aside and held in trust by the
Trust Administrator and credited to the account of the appropriate non-tendering
Holder or Holders. If any Certificates as to which notice has been given
pursuant to this Section 4.01(e) shall not have been surrendered for
cancellation within six months after the time specified in such notice, the
Trust Administrator shall mail a second notice to the remaining non-tendering
Certificateholders to surrender their Certificates for cancellation in order
to
receive the final distribution with respect thereto. If within one year after
the second notice all such Certificates shall not have been surrendered for
cancellation, the Trust Administrator shall, directly or through an agent,
mail
a final notice to the remaining non-tendering Certificateholders concerning
surrender of their Certificates but shall continue to hold any remaining funds
for the benefit of non-tendering Certificateholders. The costs and expenses
of
maintaining the funds in trust and of contacting such Certificateholders shall
be paid out of the assets remaining in the Trust Fund. If within one year after
the final notice any such Certificates shall not have been surrendered for
cancellation, the Trust Administrator shall pay to UBS Securities LLC all such
amounts, and all rights of non-tendering Certificateholders in or to such
amounts shall thereupon cease. No interest shall accrue or be payable to any
Certificateholder on any amount held in trust by the Trust Administrator as
a
result of such Certificateholder’s failure to surrender its Certificate(s) for
final payment thereof in accordance with this Section 4.01(d). Any such
amounts held in trust by the Trust Administrator shall be held in an Eligible
Account and the Trust Administrator may direct any depository institution
maintaining such account to invest the funds in one or more Permitted
Investments. All income and gain realized from the investment of funds deposited
in such accounts held in trust by the Trust Administrator shall be for the
benefit of the Trust Administrator; provided, however, that the Trust
Administrator shall deposit in such account the amount of any loss of principal
incurred in respect of any such Permitted Investment made with funds in such
accounts immediately upon the realization of such loss.
(l) Notwithstanding
anything to the contrary herein, (i) in no event shall the Certificate Principal
Balance of a Class A Certificate or a Mezzanine Certificate be reduced more
than
once in respect of any particular amount both (a) allocated to such Certificate
in respect of Realized Losses pursuant to Section 4.04 and (b) distributed
to the Holder of such Certificate in reduction of the Certificate Principal
Balance thereof pursuant to this Section 4.01 from Net Monthly Excess
Cashflow and (ii) in no event shall the Uncertificated Balance of a REMIC I
Regular Interest be reduced more than once in respect of any particular amount
both (a) allocated to such REMIC I Regular Interest in respect of Realized
Losses pursuant to Section 4.04 and (b) distributed on such REMIC I Regular
Interest in reduction of the Uncertificated Balance thereof pursuant to this
Section 4.01.
| SECTION 4.02. |
Statements
to Certificateholders.
|
On
each
Distribution Date, based (in part), as applicable, on information provided
to
the Trust Administrator by the Master Servicer (which in turn shall be based
(in
part), as applicable, on information provided to the Master Servicer by the
Servicers), the Trust Administrator shall prepare and make available to each
Holder of the Regular Certificates, the Credit Risk Manager, the other parties
hereto and the Rating Agencies, a statement as to the distributions to be made
on such Distribution Date containing the following information:
(i) the
amount of the distribution made on such Distribution Date to the Holders of
the
Certificates of each Class allocable to principal, and the amount of the
distribution made on such Distribution Date to the Holders of the Class P
Certificates allocable to Prepayment Charges and Servicer Prepayment Charge
Payment Amounts;
(ii) the
amount of the distribution made on such Distribution Date to the Holders of
the
Certificates of each Class allocable to interest;
(iii) the
fees
and expenses of the Trust accrued and paid on such Distribution Date and to
whom
such fees and expenses were paid;
(iv) the
aggregate amount of Advances for such Distribution Date (including the general
purpose of such Advances);
(v) the
aggregate Stated Principal Balance of the Mortgage Loans and any REO Properties
as of the last day of the related Due Period;
(vi) the
number, aggregate Stated Principal Balance, weighted average remaining term
to
maturity and weighted average Mortgage Rate of the Mortgage Loans as of the
related Due Date;
(vii) the
number and aggregate unpaid Principal Balance of Mortgage Loans (a) delinquent
30 to 59 days, (b) delinquent 60 to 89 days, (c) delinquent 90 or more days,
in
each case, as of the last day of the preceding calendar month, (d) as to which
foreclosure proceedings have been commenced and (e) with respect to which the
related Mortgagor has filed for protection under applicable bankruptcy laws,
with respect to whom bankruptcy proceedings are pending or with respect to
whom
bankruptcy protection is in force;
(viii) the
total
number and cumulative principal balance of all REO Properties as of the close
of
business on the last day of the preceding Prepayment Period;
(ix) the
aggregate amount of Principal Prepayments made during the related Prepayment
Period;
(x) the
Delinquency Percentage;
(xi) the
aggregate amount of Realized Losses incurred during the related Prepayment
Period, which will include the aggregate amount of Subsequent Recoveries
received during the related Prepayment Period and the aggregate amount of
Realized Losses incurred since the Closing Date, which will include the
cumulative amount of Subsequent Recoveries received since the Closing
Date;
(xii) the
aggregate amount of Extraordinary Trust Fund Expenses withdrawn from the
Collection Account or the Distribution Account for such Distribution
Date;
(xiii) the
aggregate Certificate Principal Balance and Notional Amount, as applicable,
of
each Class of Certificates, before and after giving effect to the distributions,
and allocations of Realized Losses, made on such Distribution Date, separately
identifying any reduction thereof due to allocations of Realized
Losses;
(xiv) the
Certificate Factor for each such Class of Certificates applicable to such
Distribution Date;
(xv) the
Monthly Interest Distributable Amount in respect of the Class A Certificates,
the Mezzanine Certificates and the Class CE Certificates for such Distribution
Date and the Unpaid Interest Shortfall Amount, if any, with respect to the
Class
A Certificates and the Mezzanine Certificates on such Distribution Date,
separately identifying any reduction thereof due to allocations of Realized
Losses, Prepayment Interest Shortfalls and Relief Act Interest
Shortfalls;
(xvi) the
aggregate amount of any Prepayment Interest Shortfall for such Distribution
Date, to the extent not covered by payments by the Servicer or the Master
Servicer;
(xvii) the
aggregate amount of Relief Act Interest Shortfalls for such Distribution
Date;
(xviii) the
Net
Monthly Excess Cashflow, the Overcollateralization Target Amount, the
Overcollateralized Amount, the Overcollateralization Deficiency Amount and
the
Credit Enhancement Percentage for such Distribution Date;
(xix) the
respective Pass-Through Rates applicable to the Class A Certificates, the
Mezzanine Certificates and the Class CE Certificates for such Distribution
Date
(and whether such Pass-Through Rate was limited by the Net WAC
Rate);
(xx) the
Aggregate Loss Severity Percentage;
(xxi) whether
the Stepdown Date or a Trigger Event is in effect;
(xxii) the
total
cashflows received and the general sources thereof;
(xxiii) the
Available Funds;
(xxiv) the
Net
WAC Rate Carryover Amount for the Class A Certificates and the Mezzanine
Certificates, if any, for such Distribution Date, the amount remaining unpaid
after reimbursements therefor on such Distribution Date;
(xxv) payments,
if any, made under the Cap Contract and the amount of any Net Swap Payments
or
Swap Termination Payments; and
(xxvi) if
applicable, material modifications, extensions or waivers to Mortgage Loan
terms, fees, penalties or payments during the preceding calendar month or that
have become material over time; and
(xxvii) the
applicable Record Dates, Accrual Periods and determination dates for calculating
distributions for such Distribution Date.
The
Trust
Administrator will make such statement (and, at its option, any additional
files
containing the same information in an alternative format) available each month
to Certificateholders, the Master Servicer, the Servicer, the Depositor and
the
Rating Agencies via the Trust Administrator’s internet website. The Trust
Administrator’s internet website shall initially be located at
“▇▇▇.▇▇▇▇▇▇▇.▇▇▇”. Assistance in using the website can be obtained by calling
the Trust Administrator’s customer service desk at (▇▇▇) ▇▇▇-▇▇▇▇. Parties that
are unable to use the above distribution options are entitled to have a paper
copy mailed to them via first class mail by calling the customer service desk
and indicating such. The Trust Administrator shall have the right to change
the
way such statements are distributed in order to make such distribution more
convenient and/or more accessible to the above parties and the Trust
Administrator shall provide timely and adequate notification to all above
parties regarding any such changes. As a condition to access the Trust
Administrator’s internet website, the Trust Administrator may require
registration and the acceptance of a disclaimer. The Trust Administrator will
not be liable for the dissemination of information in accordance with this
Agreement. The Trust Administrator shall also be entitled to rely on but shall
not be responsible for the content or accuracy of any information provided
by
third parties for purposes of preparing the distribution date statement and
may
affix thereto any disclaimer it deems appropriate in its reasonable discretion
(without suggesting liability on the part of any other party
thereto).
In
the
case of information furnished pursuant to subclauses (i) through (iii) above,
the amounts shall be expressed as a dollar amount per Single Certificate of
the
relevant Class.
Within
a
reasonable period of time after the end of each calendar year, the Trust
Administrator shall, upon written request, forward to each Person who at any
time during the calendar year was a Holder of a Regular Certificate and the
NIMS
Insurer a statement containing the information set forth in subclauses (i)
through (iii) above, aggregated for such calendar year or applicable portion
thereof during which such Person was a Certificateholder. Such obligation of
the
Trust Administrator shall be deemed to have been satisfied to the extent that
substantially comparable information shall be provided by the Trust
Administrator pursuant to any requirements of the Code as from time to time
are
in force.
Within
a
reasonable period of time after the end of each calendar year, the Trust
Administrator shall furnish to each Person who at any time during the calendar
year was a Holder of a Residual Certificate and the NIMS Insurer a statement
setting forth the amount, if any, actually distributed with respect to the
Residual Certificates, as appropriate, aggregated for such calendar year or
applicable portion thereof during which such Person was a
Certificateholder.
The
Trust
Administrator shall, upon request, furnish to each Certificateholder and the
NIMS Insurer, during the term of this Agreement, such periodic, special, or
other reports or information, whether or not provided for herein, as shall
be
reasonable with respect to the Certificateholder, or otherwise with respect
to
the purposes of this Agreement, all such reports or information to be provided
at the expense of the Certificateholder in accordance with such reasonable
and
explicit instructions and directions as the Certificateholder may provide.
For
purposes of this Section 4.02, the Trust Administrator’s duties are limited
to the extent that the Master Servicer receives timely reports as required
from
the Servicer.
On
each
Distribution Date the Trust Administrator shall provide Intex Solutions, Inc.
and Bloomberg Financial Markets, L.P. (“Bloomberg”) CUSIP level factors for each
class of Certificates as of such Distribution Date, using a format and media
mutually acceptable to the Trust Administrator and Bloomberg.
(b) For
each
Distribution Date, through and including the Distribution Date in December
2006,
the Trust Administrator shall calculate the Significance Percentage of the
Interest Rate Swap Agreement. If on any such Distribution Date, the Significance
Percentage is equal to or greater than 9%, the Trust Administrator shall
promptly notify the Depositor and the Depositor shall obtain the financial
information required to be delivered by the Swap Provider pursuant to the terms
of the Interest Rate Swap Agreement. If, on any succeeding Distribution Date
through and including the Distribution Date in December 2006, the Significance
Percentage is equal to or greater than 10%, the Trust Administrator shall
promptly notify the Depositor and the Depositor shall, within 5 Business Days
of
such Distribution Date, deliver to the Trust Administrator the financial
information provided to it by the Swap Provider for inclusion in the Form 10-D
relating to such Distribution Date. If on any Distribution Date after December
2006, the Significance Percentage is greater than 10%, the Trust Administrator
shall include the Significance Percentage on the statement to Certificateholders
for the related Distribution Date.
With
respect to any Distribution Date, for purposes of determining the numerator
of
the fraction that constitutes the Significance Percentage, the interest rate
used to project future amounts payable under the Interest Rate Swap Agreement
shall be equal to the highest rate reflected on the Implied Forwards Curve
available at Bloomberg Financial Markets, L.P. for the remaining term of the
Interest Rate Swap Agreement plus the percentage equivalent of a fraction,
the
numerator of which is 3.00% and the denominator of which is the number of
remaining Distribution Dates on which the Swap Administrator is entitled to
receive payments under the Interest Rate Swap Agreement. The discount rate
used
to determine the net present value of the estimated future amounts payable
shall
be equal to the lowest rate reflected on the Implied Forwards Curve. The Trust
Administrator shall obtain the Implied Forwards Curve from Bloomberg within
15
Business Days of the respective Distribution Date. To determine the Implied
Forwards Curve for such Distribution Date, the Trust Administrator shall take
the following steps on the Bloomberg terminal: (1) the following keystrokes
shall be entered: fwcv <enter>, 27 <enter>, 3 <enter>; (2) the
Forwards shall be set to “1-Mo”; (3) the Intervals shall be set to “1-Mo”; and
(4) the Points shall be set to equal the remaining term of the Interest Rate
Swap Agreement in months and the Trust Administrator shall click <enter>.
For purposes of estimating future amounts payable under the Interest Rate Swap
Agreement, the accrual period for both the Fixed Amounts and the Floating
Amounts (as defined in the Confirmation) shall be assumed to be a 30-day period
in a 360-day year.
| SECTION 4.03. |
Remittance
Reports, Advances.
|
(a) On
the
10th day of each calendar month (or, if such 10th day is not a Business Day,
then on the next succeeding Business Day), the Servicer shall furnish to the
Trust Administrator a monthly remittance advice (which together with any
supplemental reports is known as the “Remittance Report”) in a format attached
as Exhibit S (with respect to JPMorgan) or Exhibit R-2 (with respect to ▇▇▇▇▇
Fargo) or in any other format as mutually agreed to between the Servicer and
the
Trust Administrator, containing such information regarding the Mortgage Loans
as
is needed by the Trust Administrator to perform its duties as set forth in
Section 4.01 and 4.02 hereof. Such Remittance Report will also include a
delinquency report substantially in the form set forth in Exhibit R-1 and a
realized loss report substantially in the form set forth in Exhibit R-3 (or
in
either case, such other format as mutually agreed to between the Servicer and
the Trust Administrator). No later than 3 Business Days after the 15th day
of
each calendar month, the Servicer shall furnish to the Trust Administrator
a
monthly report containing such information regarding prepayments in full on
Mortgage Loans during the applicable Prepayment Period in a format as mutually
agreed to between the Servicer and the Trust Administrator. The Trust
Administrator shall, on behalf of each Servicer, on such date furnish a copy
of
the Remittance Report to the Credit Risk Manager by such means as the Trust
Administrator shall agree from time to time. The Trust Administrator shall
not
be responsible to recompute, recalculate or verify any information provided
to
it by the Servicer.
(b) With
respect to any Mortgage Loan on which a Monthly Payment was due during the
related Due Period and delinquent on the related Determination Date, the amount
of the related Servicer’s Advance will be equal to the Monthly Payment (net of
the related Servicing Fee) that would have been due on the related Due Date
in
respect of the related Mortgage Loan. With respect to each REO Property, which
REO Property was acquired during or prior to the related Prepayment Period
and
as to which such REO Property an REO Disposition did not occur during the
related Prepayment Period, an amount equal to the excess, if any, of the Monthly
Payment (net of the related Servicing Fee) that would have been due on the
related Due Date in respect of the related Mortgage Loan, over the net income
from such REO Property deposited in the related Collection Account pursuant
to
Section 3.23 for distribution on such Distribution Date.
On
the
Servicer Remittance Date, each Servicer shall remit in immediately available
funds to the Trust Administrator for deposit in the Distribution Account an
amount equal to the aggregate amount of Advances, if any, to be made in respect
of the Mortgage Loans serviced by it for the related Distribution Date either
(i) from its own funds or (ii) from the related Collection Account, to the
extent of funds held therein for future distribution (in which case it will
cause to be made an appropriate entry in the records of the related Collection
Account that amounts held for future distribution have been, as permitted by
this Section 4.03, used by the related Servicer in discharge of any such
Advance) or (iii) in the form of any combination of (i) and (ii) aggregating
the
total amount of Advances to be made by the related Servicer with respect to
the
Mortgage Loans serviced by it. Any amounts held for future distribution used
by
a Servicer to make an Advance as permitted in the preceding sentence shall
be
appropriately reflected in such Servicer’s records and replaced by such Servicer
by deposit in the related Collection Account on or before any future Servicer
Remittance Date to the extent that the Available Funds for the related
Distribution Date (determined without regard to Advances to be made on the
Servicer Remittance Date) shall be less than the total amount that would be
distributed to the Certificateholders pursuant to Section 4.01 on such
Distribution Date if such amounts held for future distributions had not been
so
used to make Advances. The Trust Administrator will provide notice to a Servicer
no later than the close of business of the Servicer Remittance Date via email
to
the appropriate investor reporting contact of the Servicer (as well as the
manager of the Servicer’s investor reporting group) in the event that the amount
remitted by such Servicer to the Trust Administrator on such date is less than
the Advances required to be made by such Servicer for the related Distribution
Date.
(c) The
obligation of each Servicer to make such Advances is mandatory, notwithstanding
any other provision of this Agreement but subject to (d) below, and, with
respect to any Mortgage Loan or REO Property, shall continue until a Final
Recovery Determination in connection therewith or the removal thereof from
the
Trust Fund pursuant to any applicable provision of this Agreement, except as
otherwise provided in this Section.
(d) Notwithstanding
anything herein to the contrary, no Advance or Servicing Advance shall be
required to be made hereunder by either Servicer if such Advance or Servicing
Advance would, if made, constitute a Nonrecoverable Advance or Nonrecoverable
Servicing Advance, respectively. The determination by a Servicer that it has
made a Nonrecoverable Advance or a Nonrecoverable Servicing Advance or that
any
proposed Advance or Servicing Advance, if made, would constitute a
Nonrecoverable Advance or Nonrecoverable Servicing Advance, respectively, shall
be evidenced by a certification of a Servicing Officer of the related Servicer
delivered to the Trust Administrator (whereupon, upon receipt of such
certification, the Trust Administrator shall forward a copy of such
certification to the Depositor, the Trustee and the Credit Risk Manager).
Notwithstanding the foregoing, if following the application of Liquidation
Proceeds on any Mortgage Loan that was the subject of a Final Recovery
Determination, any Servicing Advance with respect to such Mortgage Loan shall
remain unreimbursed to either Servicer, then without limiting the provisions
of
Section 3.11(a), a certification of a Servicing Officer of such Servicer
regarding such Nonrecoverable Servicing Advance shall not be required to be
delivered by such Servicer to the Trust Administrator.
(e) In
the
event either Servicer fails to make any Advance required to be made by it
pursuant to this Section 4.03 and such failure is not remedied within the
applicable cure period pursuant to Section 7.01(a), then, pursuant to Section
7.01(a), the related Servicer will be terminated, and, in accordance with
Sections 7.01(a) and 7.02, the Master Servicer or (if the Master Servicer is
the
Servicer) the Trustee (in its respective capacity as successor servicer) or
another successor servicer shall be required to make such Advance on the
Distribution Date with respect to which the related Servicer was required to
make such Advance, subject to the Master Servicer’s of the Trustee’s (or other
successor servicer’s) determination of recoverability. None of the Master
Servicer, the Servicers or the Trustee (or other successor servicer) shall
be
required to make any Advance to cover any Relief Act Interest Shortfall on
any
Mortgage Loan. If the Master Servicer (or other successor servicer) is required
to make any Advances, such Advances may be made by it in the manner set forth
under (b) above.
| SECTION 4.04. |
Allocation
of Realized Losses.
|
(a) Prior
to
each Distribution Date, each Servicer shall determine as to each Mortgage Loan
and REO Property serviced by it: (i) the total amount of Realized Losses, if
any, incurred in connection with any Final Recovery Determinations made during
the related Prepayment Period; (ii) whether and the extent to which such
Realized Losses constituted Bankruptcy Losses; and (iii) the respective portions
of such Realized Losses allocable to interest and allocable to principal. Prior
to each Distribution Date, each Servicer shall also determine as to each
Mortgage Loan: (A) the total amount of Realized Losses, if any, incurred in
connection with any Deficient Valuations made during the related Prepayment
Period; and (B) the total amount of Realized Losses, if any, incurred in
connection with Debt Service Reductions in respect of Monthly Payments due
during the related Due Period. The information described in the two preceding
sentences that is to be supplied by each Servicer shall be either included
in
the related Remittance Report ( in form and format reasonably required and
mutually agreed upon by Servicer and Master Servicer) or evidenced by an
Officers’ Certificate delivered to the Trust Administrator by the related
Servicer prior to the Determination Date immediately following the end of (x)
in
the case of Bankruptcy Losses allocable to interest, the Due Period during
which
any such Realized Loss was incurred, and (y) in the case of all other Realized
Losses, the Prepayment Period during which any such Realized Loss was
incurred.
(b) All
Realized Losses on the Mortgage Loans shall be allocated by the Trust
Administrator on each Distribution Date as follows: first, to Net Monthly Excess
Cashflow; second, to the Class CE Certificates, until the Certificate Principal
Balance thereof has been reduced to zero; third, to the Class M-11 Certificates,
until the Certificate Principal Balance thereof has been reduced to zero;
fourth, to the Class M-10 Certificates, until the Certificate Principal Balance
thereof has been reduced to zero; fifth, to the Class M-9 Certificates, until
the Certificate Principal Balance thereof has been reduced to zero; sixth,
to
the Class M-8 Certificates, until the Certificate Principal Balance thereof
has
been reduced to zero; seventh, to the Class M-7 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero; eighth, to
the
Class M-6 Certificates, until the Certificate Principal Balance thereof has
been
reduced to zero; ninth, to the Class M-5 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero; tenth, to the Class M-4
Certificates, until the Certificate Principal Balance thereof has been reduced
to zero; eleventh, to the Class M-3 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero; twelfth, to the Class M-2
Certificates, until the Certificate Principal Balance thereof has been reduced
to zero; and thirteenth, to the Class M-1 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero. All Realized Losses to
be
allocated to the Certificate Principal Balances of all Classes on any
Distribution Date shall be so allocated after the actual distributions to be
made on such date as provided above. All references above to the Certificate
Principal Balance of any Class of Certificates shall be to the Certificate
Principal Balance of such Class immediately prior to the relevant Distribution
Date, before reduction thereof by any Realized Losses, in each case to be
allocated to such Class of Certificates, on such Distribution Date.
Any
allocation of Realized Losses to a Mezzanine Certificate on any Distribution
Date shall be made by reducing the Certificate Principal Balance thereof by
the
amount so allocated; any allocation of Realized Losses to a Class CE Certificate
shall be made by reducing the amount otherwise payable in respect thereof
pursuant to Section 4.01(a)(5)(iv). No allocations of any Realized Losses
shall be made to the Certificate Principal Balances of the Class A Certificates
or the Class P Certificates.
As
used
herein, an allocation of a Realized Loss on a “pro
rata
basis”
among two or more specified Classes of Certificates means an allocation on
a
pro
rata
basis,
among the various Classes so specified, to each such Class of Certificates
on
the basis of their then outstanding Certificate Principal Balances prior to
giving effect to distributions to be made on such Distribution Date. All
Realized Losses and all other losses allocated to a Class of Certificates
hereunder will be allocated among the Certificates of such Class in proportion
to the Percentage Interests evidenced thereby.
(c) With
respect to the REMIC I Regular Interests, all Realized Losses on the Mortgage
Loans shall be allocated by the Trust Administrator on each Distribution Date
first, to REMIC I Regular Interest I until the Uncertificated Balance has been
reduced to zero and then to REMIC I Regular Interest I-1-A through I-43-B and
REMIC I Regular Interests I-1-A through I-31-B, starting with the lowest
numerical denomination until the Uncertificated Balance of each such REMIC
I
Regular Interest is reduced to zero, provided that, for REMIC I Regular
Interests with the same numerical denomination, such Realized Losses shall
be
allocated (y) first to the REMIC I Group I Regular Interests pro rata between
such REMIC I Regular Interests and (z) then to the REMIC I Group II Regular
Interests pro rata between such REMIC I Regular Interests.
(d) With
respect to the REMIC II Regular Interests, all Realized Losses on the Mortgage
Loans shall be allocated by the Trust Administrator on each Distribution Date
to
the following REMIC II Regular Interests in the specified percentages, as
follows: first, to Uncertificated Interest payable to the REMIC II Regular
Interest II-LTAA and REMIC II Regular Interest II-LTZZ up to an aggregate amount
equal to the REMIC II Interest Loss Allocation Amount, 98% and 2%, respectively;
second, to the Uncertificated Balances of the REMIC II Regular Interest II-LTAA
and REMIC II Regular Interest II-LTZZ up to an aggregate amount equal to the
REMIC II Principal Loss Allocation Amount, 98% and 2%, respectively; third,
to
the Uncertificated Balances of REMIC II Regular Interest II-LTAA, REMIC II
Regular Interest II-LTM11 and REMIC II Regular Interest II-LTZZ, 98%, 1% and
1%,
respectively, until the Uncertificated Balance of REMIC II Regular Interest
II-LTM11 has been reduced to zero; fourth, to the Uncertificated Balances of
REMIC II Regular Interest II-LTAA, REMIC II Regular Interest II-LTM10 and REMIC
II Regular Interest II-LTZZ, 98%, 1% and 1%, respectively, until the
Uncertificated Balance of REMIC II Regular Interest II-LTM10 has been reduced
to
zero; fifth, to the Uncertificated Balances of REMIC II Regular Interest
II-LTAA, REMIC II Regular Interest II-LTM9 and REMIC II Regular Interest
II-LTZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of
REMIC
II Regular Interest II-LTM9 has been reduced to zero; sixth, to the
Uncertificated Balances of REMIC II Regular Interest II-LTAA, REMIC II Regular
Interest II-LTM8 and REMIC II Regular Interest II-LTZZ, 98%, 1% and 1%,
respectively, until the Uncertificated Balance of REMIC II Regular Interest
II-LTM8 has been reduced to zero; seventh, to the Uncertificated Balances of
REMIC II Regular Interest II-LTAA, REMIC II Regular Interest II-LTM7 and REMIC
II Regular Interest II-LTZZ, 98%, 1% and 1%, respectively, until the
Uncertificated Balance of REMIC II Regular Interest II-LTM7 has been reduced
to
zero; eighth, to the Uncertificated Balances of REMIC II Regular Interest
II-LTAA, REMIC II Regular Interest II-LTM6 and REMIC II Regular Interest
II-LTZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of
REMIC
II Regular Interest II-LTM6 has been reduced to zero; ninth, to the
Uncertificated Balances of REMIC II Regular Interest II-LTAA, REMIC II Regular
Interest II-LTM5 and REMIC II Regular Interest II-LTZZ, 98%, 1% and 1%,
respectively, until the Uncertificated Balance of REMIC II Regular Interest
II-LTM5 has been reduced to zero; tenth, to the Uncertificated Balances of
REMIC
II Regular Interest II-LTAA, REMIC II Regular Interest II-LTM4 and REMIC II
Regular Interest II-LTZZ, 98%, 1% and 1%, respectively, until the Uncertificated
Balance of REMIC II Regular Interest II-LTM4 has been reduced to zero; eleventh,
to the Uncertificated Balances of REMIC II Regular Interest II-LTAA, REMIC
II
Regular Interest II-LTM3 and REMIC II Regular Interest II-LTZZ, 98%, 1% and
1%,
respectively, until the Uncertificated Balance of REMIC II Regular Interest
II-LTM3 has been reduced to zero; twelfth, to the Uncertificated Balances of
REMIC II Regular Interest II-LTAA, REMIC II Regular Interest II-LTM2 and REMIC
II Regular Interest II-LTZZ, 98%, 1% and 1%, respectively, until the
Uncertificated Balance of REMIC II Regular Interest II-LTM2 has been reduced
to
zero; and thirteenth, to the Uncertificated Balances of REMIC II Regular
Interest II-LTAA, REMIC II Regular Interest II-LTM1 and REMIC II Regular
Interest II-LTZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance
of REMIC II Regular Interest II-LTM1 has been reduced to zero.
| SECTION 4.05. |
Compliance
with Withholding Requirements.
|
Notwithstanding
any other provision of this Agreement, the Trust Administrator shall comply
with
all federal withholding requirements respecting payments to Certificateholders
of interest or original issue discount that the Trust Administrator reasonably
believes are applicable under the Code. The consent of Certificateholders shall
not be required for such withholding. In the event the Trust Administrator
does
withhold any amount from interest or original issue discount payments or
advances thereof to any Certificateholder pursuant to federal withholding
requirements, the Trust Administrator shall indicate the amount withheld to
such
Certificateholders.
| SECTION 4.06. |
Exchange
Commission Filings; Additional
Information.
|
(a) (i)
Within 15 days after each Distribution Date (subject to permitted extensions
under the Exchange Act), the Trust Administrator shall, in accordance with
industry standards, prepare and file with the Commission via the Electronic
Data
Gathering and Retrieval System (“▇▇▇▇▇”), a distribution report on Form 10-D,
signed by the Master Servicer, with a copy of the monthly statement to be
furnished by the Trust Administrator to the Certificateholders for such
Distribution Date attached hereto. Any disclosure in addition to the monthly
statement that is required to be included on Form 10-D (“Additional Form 10-D
Disclosure”) shall pursuant to the paragraph immediately below, be reported by
the parties set forth on Exhibit P and directed and approved by the Depositor,
and the Trust Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 10-D Disclosure, absent
such reporting, direction and approval.
(ii) For
so
long as the Trust is subject to the reporting requirements of the Exchange
Act,
10 calendar days prior to the related Form 10-D filing date, (i) the parties
set
forth in Exhibit P shall be required to provide, pursuant to Section 4.06(a)(v)
below, to the Trust Administrator (by email at
▇▇▇.▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ and by facsimile at 410-715-2380) and
the
Depositor, to the extent known, in ▇▇▇▇▇-compatible format, or in such other
format as otherwise agreed upon by the Trust Administrator, the Depositor and
such party, the form and substance of any Additional Form 10-D Disclosure,
if
applicable, (ii) include with such Additional Form 10-D Disclosure, an
Additional Disclosure Notification in the form attached hereto as Exhibit Q
and
(iii) the Depositor will approve, as to form and substance, or disapprove,
as
the case may be, the inclusion of the Additional Form 10-D Disclosure on Form
10-D. The Depositor will be responsible for any reasonable fees and expenses
assessed or incurred by the Trust Administrator in connection with including
any
Additional Form 10-D Disclosure on Form 10-D pursuant to this
Section.
After
preparing the Form 10-D, the Trust Administrator shall forward electronically
a
draft copy of the Form 10-D to the Depositor and the Master Servicer for review,
only to the extent that the Form 10-D contains Additional Form 10-D Disclosure.
No later than 2 Business Days prior to the 15th
calendar
day after the related Distribution Date, a duly authorized officer of the Master
Servicer shall sign the Form 10-D and return an electronic or fax copy of such
signed Form 10-D (with an original executed hard copy to follow by overnight
mail) to the Trust Administrator. If a Form 10-D cannot be filed on time or
if a
previously filed Form 10-D needs to be amended, the Trust Administrator will
follow the procedures set forth in Section 4.06(a)(vi). Promptly (but no later
than 1 Business Day) after filing with the Commission, the Trust Administrator
will make available on its internet website a final executed copy of each Form
10-D. The parties to this Agreement acknowledge that the performance by the
Trust Administrator of its duties under Sections 4.06(a)(i), (ii) and (v)
related to the timely preparation and filing of Form 10-D is contingent, in
part, upon such parties strictly observing all applicable deadlines in the
performance of their duties under such Sections. The Trust Administrator shall
have no liability for any loss, expense, damage or claim arising out of or
with
respect to any failure to properly prepare and/or timely file such Form 10-D,
where such failure results from the Trust Administrator’s inability or failure
to receive, on a timely basis, any information from any other party hereto
needed to prepare, arrange for execution or file such Form 10-D, not resulting
from its own negligence, bad faith or willful misconduct.
(iii) Within
four (4) Business Days after the occurrence of an event requiring disclosure
on
Form 8-K (each such event, a “Reportable Event”), and if requested by the
Depositor, and to the extent it receives the Form 8-K Disclosure Information
described below, the Trust Administrator shall prepare and file on behalf of
the
Trust a Form 8-K, as required by the Exchange Act, provided that the Depositor
shall file the initial Form 8-K in connection with the issuance of the
Certificates. Any disclosure or information related to a Reportable Event or
that is otherwise required to be included on Form 8-K (“Form 8-K Disclosure
Information”) shall pursuant to the paragraph immediately below, be reported by
the parties set forth on Exhibit P and directed and approved by the Depositor,
and the Trust Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Form 8-K Disclosure Information absent
such reporting, direction and approval.
For
so
long as the Trust is subject to the Exchange Act reporting requirements, no
later than 12:00 noon Eastern Standard Time on the 2nd
Business
Day after the occurrence of a Reportable Event (i) the parties set forth in
Exhibit P shall be required pursuant to Section 4.06(a)(v) below to provide
to
the Trust Administrator and the Depositor, to the extent known, in
▇▇▇▇▇-compatible format (which may be “Microsoft Word”), or in such other format
as otherwise agreed upon by the Trust Administrator and the Depositor and such
party, the form and substance of any Form 8-K Disclosure Information, if
applicable, (ii) include with such Form 8-K Disclosure, an Additional Disclosure
Notification in the form attached hereto as Exhibit Q and (iii) the Depositor
will approve, as to form and substance, or disapprove, as the case may be,
the
inclusion of the Form 8-K Disclosure Information on Form 8-K. The Depositor
will
be responsible for any reasonable fees and expenses assessed or incurred by
the
Trust Administrator in connection with including any Form 8-K Disclosure
Information on Form 8-K pursuant to this Section.
After
preparing the Form 8-K, the Trust Administrator shall forward electronically
a
draft copy of the Form 8-K to the Depositor and the Master Servicer for review.
No later than 12:00 noon Eastern Standard time on the 4th
Business
Day after the Reportable Event, a duly authorized officer of the Master Servicer
shall sign the Form 8-K and return an electronic or fax copy of such signed
Form
8-K (with an original executed hard copy to follow by overnight mail) to the
Trust Administrator. If a Form 8-K cannot be filed on time or if a previously
filed Form 8-K needs to be amended, the Trust Administrator will follow the
procedures set forth in Section 4.06(a)(vi). Promptly (but no later than 1
Business Day) after filing with the Commission, the Trust Administrator will,
make available on its internet website a final executed copy of each Form 8-K.
The parties to this Agreement acknowledge that the performance by the Trust
Administrator of its duties under this Section 4.06(a)(iii) related to the
timely preparation and filing of Form 8-K is contingent upon such parties
strictly observing all applicable deadlines in the performance of their duties
under this Section 4.06(a)(iii). The Trust Administrator shall have no liability
for any loss, expense, damage or claim arising out of or with respect to any
failure to properly prepare and/or timely file such Form 8-K, where such failure
results from the Trust Administrator’s inability or failure to receive, on a
timely basis, any information from any other party hereto needed to prepare,
arrange for execution or file such Form 8-K, not resulting from its own
negligence, bad faith or willful misconduct.
(iv) (A)
Within 90 days after the end of each fiscal year of the Trust or such earlier
date as may be required by the Exchange Act (the “10-K Filing Deadline”) (it
being understood that the fiscal year for the Trust ends on December
31st
of each
year), commencing in March 2007, the Trust Administrator shall prepare and
file
on behalf of the Trust a Form 10-K, in form and substance as required by the
Exchange Act. Each such Form 10-K shall include the following items, in each
case to the extent they have been delivered to the Trust Administrator within
the applicable time frames set forth in this Agreement, (i) an annual compliance
statement for the Servicer, the Master Servicer, the Trust Administrator and
any
Sub-Servicer, subcontractor or other Person engaged by it and satisfying any
of
the criteria set forth in Item 1108(a)(i)-(iii) of Regulation AB, as described
under Section 3.20, (ii)(A) the annual reports on assessment of compliance
with
Servicing Criteria for the Servicer, the Master Servicer, the Trust
Administrator, and each Sub-Servicer, subcontractor or other Person determined
to be “participating in the servicing function” within the meaning of Item 1122
of Regulation AB, as described under Section 3.21, and (B) if the Servicer,
the
Master Servicer, the Trust Administrator, any Sub-Servicer, any such
subcontractor or any such other Person, in its report on assessment of
compliance with the Relevant Servicing Criteria described under Section 3.21,
identifies any material instance of noncompliance, disclosure identifying such
instance of noncompliance, or if any such party’s report on assessment of
compliance with Servicing Criteria described under Section 3.21 is not included
as an exhibit to such Form 10-K, disclosure that such report is not included
and
an explanation why such report is not included, (iii)(A) the registered public
accounting firm attestation report for the Servicer, the Master Servicer, the
Trust Administrator, any Sub-Servicer, subcontractor or other Person determined
to be “participating in the servicing function” within the meaning of Item 1122
of Regulation AB, as described under Section 3.21, and (B) if any registered
public accounting firm attestation report described under Section 3.21
identifies any material instance of noncompliance, disclosure identifying such
instance of noncompliance, or if any such registered public accounting firm
attestation report is not included as an exhibit to such Form 10-K, disclosure
that such report is not included and an explanation why such report is not
included, and (iv) a ▇▇▇▇▇▇▇▇-▇▇▇▇▇ Certification (“▇▇▇▇▇▇▇▇-▇▇▇▇▇
Certification”) as described below. Any disclosure or information in addition to
(i) through (iv) above that is required to be included on Form 10-K (“Additional
Form 10-K Disclosure”) shall pursuant to the paragraph immediately below, be
reported by the parties set forth on Exhibit P and directed and approved by
the
Depositor, and the Trust Administrator will have no duty or liability for any
failure hereunder to determine or prepare any Additional Form 10-K Disclosure
absent such reporting, direction and approval.
No
later
than March 1st
(with a
10 calendar day cure period after written notice) of each year that the Trust
is
subject to the Exchange Act reporting requirements, commencing in 2007, (i)
the
parties set forth in Exhibit P shall be required to provide pursuant to Section
4.06(a)(v) below to the Trust Administrator (by email at
▇▇▇.▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇ and by facsimile at 410-715-2380) and
the
Depositor, to the extent known, in ▇▇▇▇▇-compatible format, or in such other
format as otherwise agreed upon by the Trust Administrator and the Depositor
and
such party, the form and substance of any Additional Form 10-K Disclosure,
if
applicable, (ii) include with such Additional Form 10-K Disclosure, an
Additional Disclosure Notification in the form attached hereto as Exhibit Q
and
(iii) the Depositor will approve, as to form and substance, or disapprove,
as
the case may be, the inclusion of the Additional Form 10-K Disclosure on Form
10-K. The Depositor will be responsible for any reasonable fees and expenses
assessed or incurred by the Trust Administrator in connection with including
any
Additional Form 10-K Disclosure on Form 10-K pursuant to this
Section.
After
preparing the Form 10-K, the Trust Administrator shall forward electronically
a
draft copy of the Form 10-K to the Depositor and the Master Servicer for review,
only to the extent that the Form 10-D contains Additional Form 10-K Disclosure.
No later than the end of business New York City time on the 4th
Business
Day prior to the 10-K Filing Deadline, a senior officer of the Master Servicer
shall sign the Form 10-K and return an electronic or fax copy of such signed
Form 10-K (with an original executed hard copy to follow by overnight mail)
to
the Trust Administrator. If a Form 10-K cannot be filed on time or if a
previously filed Form 10-K needs to be amended, the Trust Administrator will
follow the procedures set forth in Section 4.06(a)(vi). Promptly (but no later
than 1 Business Day) after filing with the Commission, the Trust Administrator
will make available on its internet website a final executed copy of each Form
10-K. The parties to this Agreement acknowledge that the performance by the
Trust Administrator of its duties under Section 4.06(a)(iv) and Section
4.06(a)(v) related to the timely preparation and filing of Form 10-K is
contingent, in part, upon such parties strictly observing all applicable
deadlines (including applicable grace periods) in the performance of their
duties under such Sections, Section 3.20 and Section 3.21. The Trust
Administrator shall have no liability for any loss, expense, damage or claim
arising out of or with respect to any failure to properly prepare and/or timely
file such Form 10-K, where such failure results from the Trust Administrator’s
inability or failure to receive, on a timely basis, any information from any
other party hereto needed to prepare, arrange for execution or file such Form
10-K, not resulting from its own negligence, bad faith or willful
misconduct.
Each
Form
10-K shall include a certification (the “▇▇▇▇▇▇▇▇-▇▇▇▇▇ Certification”), exactly
as set forth in Exhibit J-1 attached hereto, required to be included therewith
pursuant to the ▇▇▇▇▇▇▇▇-▇▇▇▇▇ Act. ▇▇▇▇▇
Fargo shall provide to the Person who signs the ▇▇▇▇▇▇▇▇-▇▇▇▇▇ Certification
(the “Certifying Person”), by March 10 of each year in which the Trust is
subject to the reporting requirements of the Exchange Act, a certification
(a
“Back-Up Certification”), in the form attached hereto as Exhibit J-2, upon which
the Certifying Person, the entity for which the Certifying Person acts as an
officer, and such entity’s officers, directors and Affiliates (collectively with
the Certifying Person, “Certification Parties”) can reasonably rely.
JPMorgan
shall provide to the Certifying Person, by March 1 of each year in which the
Trust is subject to the reporting requirements of the Exchange Act, a Back-Up
Certification, in the form attached hereto as Exhibit J-3, upon which the
Certification Parties can reasonably rely. A senior officer of the Master
Servicer shall serve as the Certifying Person on behalf of the Trust. In the
event the Servicer, the Master Servicer, the Trust Administrator or any
Sub-Servicer, subcontractor or other Person determined to be “participating in
the servicing function” within the meaning of Item 1122 of Regulation AB, as
described under Section 3.21 is terminated or resigns pursuant to the terms
of
this Agreement, or any other applicable agreement, as the case may be, such
party shall provide a Back-Up Certification to the Certifying Person pursuant
to
this Section 4.06(a)(iv) with respect to the period of time it was subject
to
this Agreement or any other applicable agreement, as the case may
be.
If
JPMorgan does not deliver the Back-Up Certification by March 1st of any year,
either the Trust Administrator or the Depositor shall provide JPMorgan with
written notice of its failure to deliver such Back-Up Certification and JPMorgan
shall have 10 calendar days from the date of such written notice to cure such
failure to deliver.
(v) With
respect to any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure
or any Form 8-K Disclosure Information (collectively, the “Additional
Disclosure”) relating to the Trust Fund, the Trust Administrator’s obligation to
include such Additional Information in the applicable Exchange Act report is
subject to receipt from the entity that is indicated in Exhibit P as the
responsible party for providing that information, if other than the Trust
Administrator, as and when required as described in Section 4.06(a)(ii) through
(iv) above. Each of the Master Servicer, the Servicer and Depositor hereby
agree
to notify and to provide to the extent known to the Trust Administrator and
the
Depositor all Additional Disclosure relating to the Trust Fund, with respect
to
which such party is indicated in Exhibit P as the responsible party for
providing that information. The Swap Provider will be obligated pursuant to
the
Swap Agreement to provide to the Trust Administrator any information that may
be
required to be included in any Form 10-D, Form 8-K or Form 10-K. The Servicer
shall be responsible for determining the pool concentration applicable to any
Sub-Servicer or originator at any time, for purposes of disclosure as required
by Items 1108 and 1110 of Regulation AB.
(vi) On
or
prior to January 30 of the first year in which the Trust Administrator is able
to do so under applicable law, the Trust Administrator shall prepare and file
a
Form 15 Suspension Notification relating to the automatic suspension of
reporting in respect of the Trust under the Exchange Act.
In
the
event that the Trust Administrator is unable to timely file with the Commission
all or any required portion of any Form 8-K, Form 10-D or Form 10-K required
to
be filed by this Agreement because required disclosure information was either
not delivered to it or was delivered to it after the delivery deadlines set
forth in this Agreement or for any other reason, the Trust Administrator will
promptly notify the Depositor and the Master Servicer. In the case of Form
10-D
and Form 10-K, the Depositor and the Master Servicer will cooperate to prepare
and file a Form 12b-25 and a Form 10-D/A and Form 10-K/A as applicable, pursuant
to Rule 12b-25 of the Exchange Act. In the case of Form 8-K, the Trust
Administrator will, upon receipt of all required Form 8-K Disclosure Information
and upon the approval and direction of the Depositor, include such disclosure
information on the next succeeding Form 10-D. In the event that any previously
filed Form 8-K, Form 10-D or Form 10-K needs to be amended, the Trust
Administrator will notify the Depositor and the Master Servicer and such parties
will cooperate to prepare any necessary Form 8-K/A, Form 10-D/A or Form 10-K/A;
Form 10-K/A; provided, the Trust Administrator will only be required to notify
the Depositor of any amendment to any Form 10-D and 10K where such amendment
contains Additional Disclosure. Any Form 15, Form 12b-25 or any amendment to
Form 8-K or Form 10-D shall be signed by a duly authorized officer of the Master
Servicer. The Depositor and the Master Servicer acknowledge that the performance
by the Trust Administrator of its duties under this Section 4.06(a)(vi) related
to the timely preparation and filing of Form 15, a Form 12b-25 or any amendment
to Form 8-K, Form 10-D or Form 10-K is contingent upon the Master Servicer
and
the Depositor performing their duties under this Section. The Trust
Administrator shall have no liability for any loss, expense, damage or claim
arising out of or with respect to any failure to properly prepare and/or timely
file any such Form 15, Form 12b-25 or any amendments to Form 8-K, Form 10-D
or
Form 10-K, where such failure results from the Trust Administrator’s inability
or failure to receive, on a timely basis, any information from any other party
hereto needed to prepare, arrange for execution or file such Form 15, Form
12b-25 or any amendments to Form 8-K, Form 10-D or Form 10-K, not resulting
from
its own negligence, bad faith or willful misconduct.
The
Depositor agrees to promptly furnish to the Trust Administrator, from time
to
time upon request, such further information, reports and financial statements
within its control related to this Agreement, and the Mortgage Loans as the
Trust Administrator reasonably deems appropriate to prepare and file all
necessary reports with the Commission. The Trust Administrator shall have no
responsibility to file any items other than those specified in this Section
4.06; provided, however, the Trust Administrator will cooperate with the
Depositor in connection with any additional filings with respect to the Trust
Fund as the Depositor deems necessary under the Exchange Act. Fees and expenses
incurred by the Trust Administrator in connection with this Section 4.06 shall
not be reimbursable from the Trust Fund.
(b) The
Trust
Administrator shall indemnify and hold harmless the Depositor and its officers,
directors and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments
and other costs and expenses arising out of or based upon (i) a breach of the
Trust Administrator’s obligations under this Section 4.06 or the Trust
Administrator’s negligence, bad faith or willful misconduct in connection
therewith or (ii) any material misstatement or omission in the Annual Statement
of Compliance and the Assessment of Compliance delivered by the Trust
Administrator pursuant to Section 3.20 and Section 3.21.
The
Depositor shall indemnify and hold harmless the Trust Administrator and the
Master Servicer and their respective officers, directors and affiliates from
and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon a breach of the obligations of the Depositor under
this Section 4.06 or the Depositor’s negligence, bad faith or willful misconduct
in connection therewith.
The
Master Servicer shall indemnify and hold harmless the Trust Administrator and
the Depositor and their respective officers, directors and affiliates from
and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon (i) a breach of the obligations of the Master
Servicer under this Section 4.06 or the Master Servicer’s negligence, bad faith
or willful misconduct in connection therewith or (ii) any material misstatement
or omission in the Statement as to Compliance delivered by the Master Servicer
pursuant to Section 3.20 or the Assessment of Compliance delivered by the Master
Servicer pursuant to Section 3.21.
The
Servicer shall indemnify and hold harmless the Master Servicer, Trust
Administrator and the Depositor and their respective officers, directors and
affiliates from and against any losses, damages, penalties, fines, forfeitures,
reasonable and necessary legal fees and related costs, judgments and other
costs
and expenses arising out of or based upon (i) a breach of the obligations of
the
Servicer under this Section 4.06 and (ii) any material misstatement or omission
in the Annual Statement of Compliance delivered by the Servicer pursuant to
Section 3.20 or the Assessment of Compliance delivered by the Servicer pursuant
to Section 3.21.
Notwithstanding
the provisions set forth in this Agreement, the Servicer shall not be obligated
to provide any indemnification or reimbursement hereunder to any other party
for
any losses, damages, penalties, fines, forfeitures, legal fees and expenses
and
related costs, judgments, and any other costs, fees and expenses that any of
them may sustain which are indirect, consequential, punitive or special in
nature.
If
the
indemnification provided for herein is unavailable or insufficient to hold
harmless the Depositor, the Master Servicer or the Trust Administrator, as
applicable, then the defaulting party, in connection with a breach of its
respective obligations under this Section 4.06 or its respective negligence,
bad
faith or willful misconduct in connection therewith, agrees that it shall
contribute to the amount paid or payable by the other parties as a result of
the
losses, claims, damages or liabilities of the other party in such proportion
as
is appropriate to reflect the relative fault and the relative benefit of the
respective parties.
(c) Nothing
shall be construed from the foregoing subsections (a) and (b) to require the
Trust Administrator or any officer, director or Affiliate thereof to sign any
Form 10-K or any certification contained therein. Furthermore, the inability
of
the Trust Administrator to file a Form 10-K as a result of the lack of required
information as set forth in Section 4.06(a) or required signatures on such
Form
10-K or any certification contained therein shall not be regarded as a breach
by
the Trust Administrator of any obligation under this Agreement.
(d) Notwithstanding
the provisions of Section 11.01, this Section 4.06 may be amended without the
consent of the Certificateholders.
| SECTION 4.07. |
Net
WAC Rate Carryover Reserve Account.
|
No
later
than the Closing Date, the Trust Administrator shall establish and maintain
with
itself a separate, segregated trust account titled, “▇▇▇▇▇ Fargo Bank, N.A. as
Trust Administrator, in trust for the registered holders of MASTR Asset Backed
Securities Trust 2006-HE1, Mortgage Pass-Through Certificates, Series
2006-HE1—Net WAC Rate Carryover Reserve Account.” All amounts deposited in the
Net WAC Rate Carryover Reserve Account shall be distributed to the Holders
of
the Class A Certificates and/or the Mezzanine Certificates in the manner set
forth in Section 4.01.
On
each
Distribution Date as to which there is a Net WAC Rate Carryover Amount payable
to the Class A Certificates and/or the Mezzanine Certificates, the Trust
Administrator has been directed by the Class CE Certificateholders to, and
therefore will, deposit into the Net WAC Rate Carryover Reserve Account the
amounts described in Section 4.01(e)(v), rather than distributing such
amounts to the Class CE Certificateholders. On each such Distribution Date,
the
Trust Administrator shall hold all such amounts for the benefit of the Holders
of the Class A Certificates and the Mezzanine Certificates, and will distribute
such amounts to the Holders of the Class A Certificates and/or the Mezzanine
Certificates in the amounts and priorities set forth in
Section 4.01(a).
It
is the
intention of the parties hereto that, for federal and state income and state
and
local franchise tax purposes, the Net WAC Rate Carryover Reserve Account be
disregarded as an entity separate from the Holder of the Class CE Certificates
unless and until the date when either (a) there is more than one Class CE
Certificateholder or (b) any Class of Certificates in addition to the Class
CE
Certificates is recharacterized as an equity interest in the Net WAC Rate
Carryover Reserve Account for federal income tax purposes, in which case it
is
the intention of the parties hereto that, for federal and state income and
state
and local franchise tax purposes, the Net WAC Rate Carryover Reserve Account
be
treated as a grantor trust. All
amounts deposited into the Net WAC Rate Carryover Reserve Account shall be
treated as amounts distributed by REMIC III to the Holder of the Class CE
Interest and by REMIC IV to the Holder of the Class CE Certificates. The Net
WAC
Rate Carryover Reserve Account will be an “outside reserve fund” within the
meaning of Treasury Regulation Section 1.860G-2(h). Upon the termination of
the
Trust, or the payment in full of the Class A and the Mezzanine Certificates,
all
amounts remaining on deposit in the Net WAC Rate Carryover Reserve Account
will
be released by the Trust and distributed to the Seller or its designee. The
Net
WAC Rate Carryover Reserve Account will be part of the Trust but not part of
any
REMIC and any payments to the Holders of the Class A and the Mezzanine
Certificates of Net WAC Rate Carryover Amounts will not be payments with respect
to a “regular interest” in a REMIC within the meaning of Code Section
860(G)(a)(1).
By
accepting a Class CE Certificate, each Class CE Certificateholder hereby agrees
to direct the Trust Administrator, and the Trust Administrator hereby is
directed, to deposit into the Net WAC Rate Carryover Reserve Account the amounts
described above on each Distribution Date as to which there is any Net WAC
Rate
Carryover Amount rather than distributing such amounts to the Class CE
Certificateholders. By accepting a Class CE Certificate, each Class CE
Certificateholder further agrees that such direction is given for good and
valuable consideration, the receipt and sufficiency of which is acknowledged
by
such acceptance.
Amounts
on deposit in the Net WAC Rate Carryover Reserve Account shall remain
uninvested.
| SECTION 4.08. |
Swap
Account.
|
(a) On
the
Closing Date, there is hereby established a separate trust (the “Supplemental
Interest Trust”), into which the Depositor shall deposit: (i) the Interest Rate
Swap Agreements and (ii) the Swap Administration Agreement. The Supplemental
Interest Trust shall be maintained by the Supplemental
Interest Trust Trustee.
No
later than the Closing Date, the Supplemental Interest Trust Trustee shall
establish and maintain with itself a separate, segregated trust account titled,
“▇▇▇▇▇ Fargo Bank, N.A. as Supplemental Interest Trust Trustee, in trust for
the
registered holders of MASTR Asset Backed Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates, Series 2006-HE1—Swap Account.” Such account shall be
an Eligible Account and funds on deposit therein shall be held separate and
apart from, and shall not be commingled with, any other moneys, including,
without limitation, other moneys of the Supplemental Interest Trust Trustee
held
pursuant to this Agreement. Amounts therein shall be held
uninvested.
(b) On
each
Distribution Date, prior to any distribution to any Certificate, the
Supplemental Interest Trust Trustee shall deposit into the Swap Account: (i)
the
amount of any Net Swap Payment or Swap Termination Payment (other than any
Swap
Termination Payment resulting from a Swap Provider Trigger Event) owed to a
Swap
Provider (after taking into account any upfront payment received from the
counterparty to a replacement interest rate swap agreement) from funds collected
and received with respect to the Mortgage Loans prior to the determination
of
Available Funds and (ii) amounts received by the Supplemental Interest Trust
Trustee from a Swap Provider, for distribution pursuant to the Swap
Administration Agreement, dated as of the Closing Date (the “Swap Administration
Agreement”), among ▇▇▇▇▇ Fargo Bank, N.A. in its capacity as Supplemental
Interest Trust Trustee, ▇▇▇▇▇ Fargo Bank, N.A. in its capacity as Swap
Administrator, ▇▇▇▇▇ Fargo Bank, N.A. in its capacity as Trust Administrator
and
the Seller.
(c) The
Supplemental Interest Trust will be an “outside reserve fund” within the meaning
of Treasury Regulation Section 1.860G-2(h). It
is the
intention of the parties hereto that, for federal and state income and state
and
local franchise tax purposes, the Supplemental Interest Trust be disregarded
as
an entity separate from the Holder of the Class CE Certificates unless and
until
the date when either (a) there is more than one Class CE Certificateholder
or
(b) any Class of Certificates in addition to the Class CE Certificates is
recharacterized as an equity interest in the Supplemental Interest Trust for
federal income tax purposes, in which case it is the intention of the parties
hereto that, for federal and state income and state and local franchise tax
purposes, the Supplemental Interest Trust be treated as a grantor
trust.
(d) To
the
extent that the Supplemental Interest Trust is determined to be a separate
legal
entity from the Supplemental Interest Trust Trustee, any obligation of the
Supplemental Interest Trust Trustee under the Interest Rate Swap Agreements
shall be deemed to be an obligation of the Supplemental Interest
Trust.
(e) The
Trust
Administrator shall treat the Holders of Certificates (other than the Class
P,
Class CE, Class R and Class R-X Certificates) as having entered into a notional
principal contract with respect to the Holders of the Class CE Certificates.
Pursuant to each such notional principal contract, all Holders of Certificates
(other than the Class P, Class CE, Class R and Class R-X Certificates) shall
be
treated as having agreed to pay, on each Distribution Date, to the Holder of
the
Class CE Certificates an aggregate amount equal to the excess, if any, of (i)
the amount payable on such Distribution Date on the REMIC III Regular Interest
corresponding to such Class of Certificates over (ii) the amount payable on
such
Class of Certificates on such Distribution Date (such excess, a “Class IO
Distribution Amount”). A Class IO Distribution Amount payable from interest
collections shall be allocated pro
rata
among
such Certificates based on the excess of (a) the amount of interest otherwise
payable to such Certificates over (ii) the amount of interest payable to such
Certificates at a per annum rate equal to the Net WAC Pass-Through Rate, and
a
Class IO Distribution Amount payable from principal collections shall be
allocated to the most subordinate Class of Certificates with an outstanding
principal balance to the extent of such balance. In addition, pursuant to such
notional principal contract, the Holder of the Class CE Certificates shall
be
treated as having agreed to pay Net WAC Rate Carryover Amounts to the Holders
of
the Certificates (other than the Class CE, Class P, Class R and Class R-X
Certificates) in accordance with the terms of this Agreement. Any payments
to
the Certificates from amounts deemed received in respect of this notional
principal contract shall not be payments with respect to a Regular Interest
in a
REMIC within the meaning of Code Section 860G(a)(1). However, any payment from
the Certificates (other than the Class CE, Class P, Class R and Class R-X
Certificates) of a Class IO Distribution Amount shall be treated for tax
purposes as having been received by the Holders of such Certificates in respect
of their interests in REMIC III and as having been paid by such Holders to
the
Trust Administrator pursuant to the notional principal contract. Thus, each
Certificate (other than the Class P, Class R and Class R-X Certificates) shall
be treated as representing not only ownership of Regular Interests in REMIC
III
or REMIC IV, but also ownership of an interest in, and obligations with respect
to, a notional principal contract.
| SECTION 4.09. |
Tax
Treatment of Swap Payments and Swap Termination
Payments.
|
For
federal income tax purposes, each holder of a Class A or Mezzanine Certificate
is deemed to own an undivided beneficial ownership interest in a REMIC regular
interest and the right to receive payments from either the Net WAC Rate
Carryover Reserve Account or the Swap Account in respect of the Net WAC Rate
Carryover Amount or the obligation to make payments to the Swap Account. For
federal income tax purposes, the Trust Administrator will account for payments
to each Class A and Mezzanine Certificates as follows: each Class A and Class
M
Certificate will be treated as receiving their entire payment from REMIC III
(regardless of any Swap Termination Payment or obligation under the Interest
Rate Swap Agreements) and subsequently paying their portion of any Swap
Termination Payments in respect of each such Class’ obligation under the
Interest Rate Swap Agreements. In the event that any such Class is resecuritized
in a REMIC, the obligation under the Interest Rate Swap Agreements to pay any
such Swap Termination Payment (or any shortfall in Swap Provider Fee), will
be
made by one or more of the REMIC Regular Interests issued by the
resecuritization REMIC subsequent to such REMIC Regular Interest receiving
its
full payment from any such Class A or Mezzanine Certificate. Resecuritization
of
any Class A or Mezzanine Certificate in a REMIC will be permissible only if
the
Trust Administrator hereunder is the trustee in such
resecuritization.
The
REMIC
regular interest corresponding to a Class A or Mezzanine Certificate will be
entitled to receive interest and principal payments at the times and in the
amounts equal to those made on the certificate to which it corresponds, except
that (i) the maximum interest rate of that REMIC regular interest will equal
the
Net WAC Pass-Through Rate computed for this purpose by limiting the Base
Calculation Amount of the Interest Rate Swap Agreements to the aggregate Stated
Principal Balance of the Mortgage Loans and (ii) any Swap Termination Payment
will be treated as being payable solely from Net Monthly Excess Cashflow. As
a
result of the foregoing, the amount of distributions and taxable income on
the
REMIC regular interest corresponding to a Class A or Mezzanine Certificate
may
exceed the actual amount of distributions on the Class A or Mezzanine
Certificate.
| SECTION 4.10. |
Cap
Account.
|
(a) No
later
than the Closing Date, the Trust Administrator shall establish and maintain
with
itself, a separate, segregated trust account titled, “▇▇▇▇▇ Fargo Bank, N.A. as
Supplemental Interest Trust Trustee, in trust for the registered holders of
MASTR Asset Backed Securities Trust 2006-HE1, Mortgage Pass-Through
Certificates, Series 2006-HE1—Cap Account.” Such account shall be an Eligible
Account and amounts therein shall be held uninvested.
(b) On
each
Distribution Date, prior to any distribution to any Certificate, the Trust
Administrator shall deposit into the Cap Account amounts received by the Trust
Administrator under the Cap Contract for distribution in accordance with Section
4.01(h) above.
(c) It
is the
intention of the parties hereto that, for federal and state income and state
and
local franchise tax purposes, the Cap Account be disregarded as an entity
separate from the Holder of the Class CE Certificates unless and until the
date
when either (a) there is more than one Class CE Certificateholder or (b) any
Class of Certificates in addition to the Class CE Certificates is
recharacterized as an equity interest in the Cap Account for federal income
tax
purposes, in which case it is the intention of the parties hereto that, for
federal and state income and state and local franchise tax purposes, the Cap
Account be treated as a grantor trust. The
Cap
Account will be an “outside reserve fund” within the meaning of Treasury
Regulation Section 1.860G-2(h). Upon the termination of the Trust Fund, or
the
payment in full of the Class A Certificates and the Mezzanine Certificates,
all
amounts remaining on deposit in the Cap Account shall be released by the Trust
Fund and distributed to the Class CE Certificateholders or their designees.
The
Cap Account shall be part of the Trust Fund but not part of any Trust REMIC
and
any payments to the Holders of the Floating Rate Certificates of Net WAC Rate
Carryover Amounts will not be payments with respect to a “regular interest” in a
REMIC within the meaning of Code Section 860(G)(a)(1).
(d) By
accepting a Class CE Certificate, each Class CE Certificateholder hereby agrees
to direct the Trust Administrator, and the Trust Administrator is hereby
directed, to deposit into the Cap Account the amounts described above on each
Distribution Date.
For
federal income tax purposes, the right of the Class A Certificiates and
Mezzanine Certificates to receive payments from the Cap Account may have more
than a de
minimis
value.
ARTICLE
V
THE
CERTIFICATES
| SECTION 5.01. |
The
Certificates.
|
(a) The
Certificates in the aggregate will represent the entire beneficial ownership
interest in the Mortgage Loans and all other assets included in REMIC
I.
The
Certificates will be substantially in the forms annexed hereto as Exhibits
A-1
through A-20. The Certificates of each Class will be issuable in registered
form
only, in denominations of authorized Percentage Interests as described in the
definition thereof. Each Certificate will share ratably in all rights of the
related Class.
Upon
original issue, the Certificates shall be executed by the Trust Administrator
and authenticated and delivered by the Trust Administrator to or upon the order
of the Depositor. The Certificates shall be executed by manual or facsimile
signature on behalf of the Trust Administrator by an authorized signatory.
Certificates bearing the manual or facsimile signatures of individuals who
were
at any time the proper officers of the Trust Administrator shall bind the Trust
Administrator notwithstanding that such individuals or any of them have ceased
to hold such offices prior to the authentication and delivery of such
Certificates or did not hold such offices at the date of such Certificates.
No
Certificate shall be entitled to any benefit under this Agreement or be valid
for any purpose, unless there appears on such Certificate a certificate of
authentication substantially in the form provided herein executed by the Trust
Administrator by manual signature, and such certificate of authentication shall
be conclusive evidence, and the only evidence, that such Certificate has been
duly authenticated and delivered hereunder. All Certificates shall be dated
the
date of their authentication.
(b) The
Class
A Certificates and the Mezzanine Certificates shall initially be issued as
one
or more Certificates held by the Book-Entry Custodian or, if appointed to hold
such Certificates as provided below, the Depository and registered in the name
of the Depository or its nominee and, except as provided below, registration
of
such Certificates may not be transferred by the Trust Administrator except
to
another Depository that agrees to hold such Certificates for the respective
Certificate Owners with Ownership Interests therein. The Certificate Owners
shall hold their respective Ownership Interests in and to such Certificates
through the book-entry facilities of the Depository and, except as provided
below, shall not be entitled to definitive, fully registered Certificates
(“Definitive Certificates”) in respect of such Ownership Interests. All
transfers by Certificate Owners of their respective Ownership Interests in
the
Book-Entry Certificates shall be made in accordance with the procedures
established by the Depository Participant or brokerage firm representing such
Certificate Owner. Each Depository Participant shall only transfer the Ownership
Interests in the Book-Entry Certificates of Certificate Owners it represents
or
of brokerage firms for which it acts as agent in accordance with the
Depository’s normal procedures. The Trust Administrator is hereby initially
appointed as the Book-Entry Custodian and hereby agrees to act as such in
accordance herewith and in accordance with the agreement that it has with the
Depository authorizing it to act as such. The Book-Entry Custodian may, and,
if
it is no longer qualified to act as such, the Book-Entry Custodian shall,
appoint, by a written instrument delivered to the Depositor, the Master Servicer
and the Trust Administrator, any other transfer agent (including the Depository
or any successor Depository) to act as Book-Entry Custodian under such
conditions as the predecessor Book-Entry Custodian and the Depository or any
successor Depository may prescribe, provided that the predecessor Book-Entry
Custodian shall not be relieved of any of its duties or responsibilities by
reason of any such appointment of other than the Depository. If the Trust
Administrator resigns or is removed in accordance with the terms hereof, the
successor trust administrator or, if it so elects, the Depository shall
immediately succeed to its predecessor’s duties as Book-Entry Custodian. The
Depositor shall have the right to inspect, and to obtain copies of, any
Certificates held as Book-Entry Certificates by the Book-Entry
Custodian.
The
Trustee, the Trust Administrator, the Master Servicer and the Depositor may
for
all purposes (including the making of payments due on the Book-Entry
Certificates) deal with the Depository as the authorized representative of
the
Certificate Owners with respect to the Book-Entry Certificates for the purposes
of exercising the rights of Certificateholders hereunder. The rights of
Certificate Owners with respect to the Book-Entry Certificates shall be limited
to those established by law and agreements between such Certificate Owners
and
the Depository Participants and brokerage firms representing such Certificate
Owners. Multiple requests and directions from, and votes of, the Depository
as
Holder of the Book-Entry Certificates with respect to any particular matter
shall not be deemed inconsistent if they are made with respect to different
Certificate Owners. The Trust Administrator may establish a reasonable record
date in connection with solicitations of consents from or voting by
Certificateholders and shall give notice to the Depository of such record
date.
If
(i)(A)
the Depositor advises the Trust Administrator in writing that the Depository
is
no longer willing or able to properly discharge its responsibilities as
Depository, and (B) the Depositor is unable to locate a qualified successor
or
(ii) after the occurrence of a Servicer Event of Default or a Master Servicer
Event of Termination, Certificate Owners representing in the aggregate not
less
than 51% of the Ownership Interests of the Book-Entry Certificates advise the
Trust Administrator through the Depository, in writing, that the continuation
of
a book-entry system through the Depository is no longer in the best interests
of
the Certificate Owners, the Trust Administrator shall notify all Certificate
Owners, through the Depository, of the occurrence of any such event and of
the
availability of Definitive Certificates to Certificate Owners requesting the
same. Upon surrender to the Trust Administrator of the Book-Entry Certificates
by the Book-Entry Custodian or the Depository, as applicable, accompanied by
registration instructions from the Depository for registration of transfer,
the
Trust Administrator shall cause the Definitive Certificates to be issued. Such
Definitive Certificates will be issued in minimum denominations of $25,000,
except that any beneficial ownership that was represented by a Book-Entry
Certificate in an amount less than $25,000 immediately prior to the issuance
of
a Definitive Certificate shall be issued in a minimum denomination equal to
the
amount represented by such Book-Entry Certificate. None of the Depositor, the
Master Servicer, the Servicers, the Trustee or the Trust Administrator shall
be
liable for any delay in the delivery of such instructions and may conclusively
rely on, and shall be protected in relying on, such instructions. Upon the
issuance of Definitive Certificates all references herein to obligations imposed
upon or to be performed by the Depository shall be deemed to be imposed upon
and
performed by the Trust Administrator, to the extent applicable with respect
to
such Definitive Certificates, and the Trustee and the Trust Administrator shall
recognize the Holders of the Definitive Certificates as Certificateholders
hereunder.
| SECTION 5.02. |
Registration
of Transfer and Exchange of
Certificates.
|
(a) The
Trust
Administrator shall cause to be kept at one of the offices or agencies to be
appointed by the Trust Administrator in accordance with the provisions of
Section 8.11, a Certificate Register for the Certificates in which, subject
to such reasonable regulations as it may prescribe, the Trustee shall provide
for the registration of Certificates and of transfers and exchanges of
Certificates as herein provided.
(b) No
transfer of any Class CE Certificate, Class P Certificate or Residual
Certificate (collectively, the “Private Certificates”) shall be made unless that
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the “1933 Act”), and an effective
registration or qualification under applicable state securities laws, or is
made
in a transaction that does not require such registration or qualification.
In
the event that such a transfer of a Private Certificate is to be made without
registration or qualification (other than in connection with (i) the initial
transfer of any Private Certificate by the Depositor to an Affiliate of the
Depositor, (ii) the transfer of any such Private Certificate to the issuer
under
the Indenture or the indenture trustee under the Indenture or (iii) a transfer
of any Private Certificate from the issuer under the Indenture or the indenture
trustee under the Indenture to the Depositor or an Affiliate of the Depositor)
the Trust Administrator shall require receipt of: (i) if such transfer is
purportedly being made in reliance upon Rule 144A under the 1933 Act, written
certifications from the Certificateholder desiring to effect the transfer and
from such Certificateholder’s prospective transferee, substantially in the forms
attached hereto as Exhibit F-1; and (ii) in all other cases, an Opinion of
Counsel satisfactory to it that such transfer may be made without such
registration (which Opinion of Counsel shall not be an expense of the Trust
Fund
or of the Depositor, the Trustee, the Trust Administrator, the Master Servicer
in its capacity as such, the Servicers or any Sub-Servicer), together with
copies of the written certification(s) of the Certificateholder desiring to
effect the transfer and/or such Certificateholder’s prospective transferee upon
which such Opinion of Counsel is based, if any. None of the Depositor, the
Master Servicer, the Servicers, the Trust Administrator or the Trustee is
obligated to register or qualify any such Private Certificates under the 1933
Act or any other securities laws or to take any action not otherwise required
under this Agreement to permit the transfer of such Certificates without
registration or qualification.
Any
Certificateholder desiring to effect the transfer of any such Certificate shall,
and does hereby agree to, indemnify the Trustee, the Trust Administrator, the
Depositor and the Master Servicer against any liability that may result if
the
transfer is not so exempt or is not made in accordance with such federal and
state laws.
(c) No
transfer of a Private Certificate or any interest therein shall be made to
any
Plan, any Person acting, directly or indirectly, on behalf of any such Plan
or
any Person acquiring such Certificates with “Plan Assets” of a Plan within the
meaning of the Department of Labor regulation promulgated at 29 C. F. R. §
2510.3-101 (“Plan Assets”), as certified by such transferee in the form of
Exhibit G, unless the Trust Administrator is provided with an Opinion of Counsel
for the benefit of the Trustee, the Trust Administrator, the Depositor, the
Master Servicer and the Servicer and on which they may rely which establishes
to
the satisfaction of the Depositor, the Trustee, the Trust Administrator, the
Servicer and the Master Servicer that the purchase of such Certificates is
permissible under applicable law, will not constitute or result in any
prohibited transaction under ERISA or Section 4975 of the Code and will not
subject the Depositor, the Master Servicer, the Servicers, the NIMS Insurer,
the
Trust Administrator, the Trustee or the Trust Fund to any obligation or
liability (including obligations or liabilities under ERISA or Section 4975
of the Code) in addition to those undertaken in this Agreement, which Opinion
of
Counsel shall not be an expense of the Depositor, the Master Servicer, the
Servicers, the Trust Administrator, the Trustee or the Trust Fund. Neither
an
Opinion of Counsel nor any certification will be required in connection with
the
(i) the initial transfer of any Private Certificate by the Depositor to an
Affiliate of the Depositor, (ii) the transfer of any Private Certificate to
the
issuer under the Indenture or the indenture trustee under the Indenture or
(iii)
a transfer of any Private Certificate from the issuer under the Indenture or
the
indenture trustee under the Indenture to the Depositor or an Affiliate of the
Depositor (in which case, the Transferee thereof shall have deemed to have
represented that it is not a Plan or a Person investing Plan Assets) and the
Trust Administrator shall be entitled to conclusively rely upon a representation
(which, upon the request of the Trust Administrator, shall be a written
representation) from the Transferor of the status of such transferee as an
affiliate of the Depositor.
Any
transferee of a Class A Certificate or Mezzanine Certificate acquired prior
to
the termination of the Supplemental Interest Trust shall be deemed to represent
that either (i) it is not a Plan or purchasing with assets of a Plan or (ii)(A)
such Plan is an accredited investor within the meaning of the Exemption and
(B)
such acquisition or holding is eligible for the exemptive relief available
under
Department of Labor Prohibited Transaction Class Exemption (“PTE”) 84-14, ▇▇▇
▇▇-▇▇, ▇▇▇ ▇▇-▇, ▇▇▇ 95-60 or PTE 96-23.
Subsequent
to the termination of the Supplemental Interest Trust, each beneficial owner
of
a Mezzanine Certificate or any interest therein shall be deemed to have
represented, by virtue of its acquisition or holding of that certificate or
interest therein, that either (i) it is not a Plan or investing with “Plan
Assets,” (ii) it has acquired and is holding such Mezzanine Certificate in
reliance on the Underwriter’s Exemption, and that it understands that there are
certain conditions to the availability of the Underwriter’s Exemption, including
that the Mezzanine Certificate must be rated, at the time of purchase not lower
than “BBB-” (or its equivalent) by S&P or ▇▇▇▇▇’▇ or (iii)(1) it is an
insurance company, (2) the source of funds used to acquire or hold the
certificate or interest therein is an “insurance company general account,” as
such term is defined in PTE 95-60, and (3) the conditions in Sections I and
III
of PTE 95-60 have been satisfied.
If
any
Certificate or any interest therein is acquired or held in violation of the
provisions of the preceding three paragraphs, the next preceding permitted
beneficial owner will be treated as the beneficial owner of that Certificate
retroactive to the date of transfer to the purported beneficial owner. Any
purported beneficial owner whose acquisition or holding of any such Certificate
or interest therein was effected in violation of the provisions of the preceding
two paragraphs shall indemnify and hold harmless the Depositor, the Master
Servicer, the Servicers, the NIMS Insurer, the Trust Administrator, the Trustee
and the Trust Fund from and against any and all liabilities, claims, costs
or
expenses incurred by those parties as a result of that acquisition or
holding.
(d) (i)Each
Person who has or who acquires any Ownership Interest in a Residual Certificate
shall be deemed by the acceptance or acquisition of such Ownership Interest
to
have agreed to be bound by the following provisions and to have irrevocably
authorized the Trust Administrator or its designee under clause (iii)(A) below
to deliver payments to a Person other than such Person and to negotiate the
terms of any mandatory sale under clause (iii)(B) below and to execute all
instruments of Transfer and to do all other things necessary in connection
with
any such sale. The rights of each Person acquiring any Ownership Interest in
a
Residual Certificate are expressly subject to the following
provisions:
Each
Person holding or acquiring any Ownership Interest in a Residual Certificate
shall be a Permitted Transferee and shall promptly notify the Trust
Administrator of any change or impending change in its status as a Permitted
Transferee.
In
connection with any proposed Transfer of any Ownership Interest in a Residual
Certificate, the Trust Administrator shall require delivery to it, and shall
not
register the Transfer of any Residual Certificate until its receipt of, an
affidavit and agreement (a “Transfer Affidavit and Agreement,” in the form
attached hereto as Exhibit F-2) from the proposed Transferee, in form and
substance satisfactory to the Trust Administrator, representing and warranting,
among other things, that such Transferee is a Permitted Transferee, that it
is
not acquiring its Ownership Interest in the Residual Certificate that is the
subject of the proposed Transfer as a nominee, trustee or agent for any Person
that is not a Permitted Transferee, that for so long as it retains its Ownership
Interest in a Residual Certificate, it will endeavor to remain a Permitted
Transferee, and that it has reviewed the provisions of this Section 5.02(d)
and agrees to be bound by them.
Notwithstanding
the delivery of a Transfer Affidavit and Agreement by a proposed Transferee
under clause (B) above, if a Responsible Officer of the Trust Administrator
who
is assigned to this transaction has actual knowledge that the proposed
Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest
in a Residual Certificate to such proposed Transferee shall be
effected.
Each
Person holding or acquiring any Ownership Interest in a Residual Certificate
shall agree (x) to require a Transfer Affidavit and Agreement in the form
attached hereto as Exhibit F-2 from any other Person to whom such Person
attempts to transfer its Ownership Interest in a Residual Certificate and (y)
not to transfer its Ownership Interest unless it provides a Transferor Affidavit
(in the form attached hereto as Exhibit F-2) to the Trust Administrator stating
that, among other things, it has no actual knowledge that such other Person
is
not a Permitted Transferee.
Each
Person holding or acquiring an Ownership Interest in a Residual Certificate,
by
purchasing an Ownership Interest in such Certificate, agrees to give the Trust
Administrator written notice that it is a “pass-through interest holder” within
the meaning of temporary Treasury regulation Section 1.67-3T(a)(2)(i)(A)
immediately upon acquiring an Ownership Interest in a Residual Certificate,
if
it is, or is holding an Ownership Interest in a Residual Certificate on behalf
of, a “pass-through interest holder.”
(II) The
Trust
Administrator will register the Transfer of any Residual Certificate only if
it
shall have received the Transfer Affidavit and Agreement and all of such other
documents as shall have been reasonably required by the Trust Administrator
as a
condition to such registration. In addition, no Transfer of a Residual
Certificate shall be made unless the Trust Administrator shall have received
a
representation letter from the Transferee of such Certificate to the effect
that
such Transferee is a Permitted Transferee.
(III) If
any
purported Transferee shall become a Holder of a Residual Certificate in
violation of the provisions of this Section 5.02(d), then the last
preceding Permitted Transferee shall be restored, to the extent permitted by
law, to all rights as holder thereof retroactive to the date of registration
of
such Transfer of such Residual Certificate. The Trust Administrator shall be
under no liability to any Person for any registration of Transfer of a Residual
Certificate that is in fact not permitted by this Section 5.02(d) or for
making any payments due on such Certificate to the holder thereof or for taking
any other action with respect to such holder under the provisions of this
Agreement.
If
any
purported Transferee shall become a holder of a Residual Certificate in
violation of the restrictions in this Section 5.02(d) and to the extent
that the retroactive restoration of the rights of the holder of such Residual
Certificate as described in clause (iii)(A) above shall be invalid, illegal
or
unenforceable, then the Trust Administrator shall have the right, without notice
to the holder or any prior holder of such Residual Certificate, to sell such
Residual Certificate to a purchaser selected by the Trust Administrator on
such
terms as the Trust Administrator may choose. Such purported Transferee shall
promptly endorse and deliver each Residual Certificate in accordance with the
instructions of the Trust Administrator. Such purchaser may be the Trust
Administrator itself or any Affiliate of the Trust Administrator. The proceeds
of such sale, net of the commissions (which may include commissions payable
to
the Trustee or its Affiliates), expenses and taxes due, if any, will be remitted
by the Trust Administrator to such purported Transferee. The terms and
conditions of any sale under this clause (iii)(B) shall be determined in the
sole discretion of the Trust Administrator, and the Trust Administrator shall
not be liable to any Person having an Ownership Interest in a Residual
Certificate as a result of its exercise of such discretion.
(IV) The
Trust
Administrator shall make available to the Internal Revenue Service and those
Persons specified by the REMIC Provisions all information necessary to compute
any tax imposed (A) as a result of the Transfer of an Ownership Interest in
a
Residual Certificate to any Person who is a Disqualified Organization, including
the information described in Treasury regulations sections 1.860D-1(b)(5) and
1.860E-2(a)(5) with respect to the “excess inclusions” of such Residual
Certificate and (B) as a result of any regulated investment company, real estate
investment trust, common Trust, partnership, trust, estate or organization
described in Section 1381 of the Code that holds an Ownership Interest in a
Residual Certificate having as among its record holders at any time any Person
which is a Disqualified Organization. Reasonable compensation for providing
such
information may be accepted by the Trust Administrator.
(V) The
provisions of this Section 5.02(d) set forth prior to this subsection (v)
may be modified, added to or eliminated, provided that there shall have been
delivered to the Trust Administrator and the NIMS Insurer at the expense of
the
party seeking to modify, add to or eliminate any such provision the
following:
written
notification from each Rating Agency to the effect that the modification,
addition to or elimination of such provisions will not cause such Rating Agency
to downgrade its then-current ratings of any Class of Certificates;
and
an
Opinion of Counsel, in form and substance satisfactory to the Trust
Administrator and the NIMS Insurer, to the effect that such modification of,
addition to or elimination of such provisions will not cause any Trust REMIC
to
cease to qualify as a REMIC and will not cause any Trust REMIC to be subject
to
an entity-level tax caused by the Transfer of any Residual Certificate to a
Person that is not a Permitted Transferee or a Person other than the prospective
transferee to be subject to a REMIC-tax caused by the Transfer of a Residual
Certificate to a Person that is not a Permitted Transferee.
The
Trust
Administrator shall forward to the NIMS Insurer a copy of the items delivered
to
it pursuant to (A) and (B) above.
(e) Subject
to the preceding subsections, upon surrender for registration of transfer of
any
Certificate at any office or agency of the Trust Administrator maintained for
such purpose pursuant to Section 8.11, the Trust Administrator shall
execute, authenticate and deliver, in the name of the designated Transferee
or
Transferees, one or more new Certificates of the same Class of a like aggregate
Percentage Interest.
(f) At
the
option of the Holder thereof, any Certificate may be exchanged for other
Certificates of the same Class with authorized denominations and a like
aggregate Percentage Interest, upon surrender of such Certificate to be
exchanged at any office or agency of the Trust Administrator maintained for
such
purpose pursuant to Section 8.11. Whenever any Certificates are so
surrendered for exchange, the Trust Administrator shall execute, authenticate
and deliver, the Certificates which the Certificateholder making the exchange
is
entitled to receive. Every Certificate presented or surrendered for transfer
or
exchange shall (if so required by the Trust Administrator) be duly endorsed
by,
or be accompanied by a written instrument of transfer in the form satisfactory
to the Trust Administrator duly executed by, the Holder thereof or his attorney
duly authorized in writing. In addition, (i) with respect to each Class R
Certificate, the holder thereof may exchange, in the manner described above,
such Class R Certificate for three separate certificates, each representing
such
holder’s respective Percentage Interest in the Class R-I Interest, the Class
R-II Interest and the Class R-III Interest, respectively, in each case that
was
evidenced by the Class R Certificate being exchanged and (ii) with respect
to
each Class R-X Certificate, the holder thereof may exchange, in the manner
described above, such Class R-X Certificate for four separate certificates,
each
representing such holder’s respective Percentage Interest in the Class R-IV
Interest, the Class R-V Interest, the Class R-VI Interest and the Class R-VII
Interest, respectively, in each case that was evidenced by the Class R-X
Certificate being exchanged.
(g) No
service charge to the Certificateholders shall be made for any transfer or
exchange of Certificates, but the Trust Administrator may require payment of
a
sum sufficient to cover any tax or governmental charge that may be imposed
in
connection with any transfer or exchange of Certificates.
(h) All
Certificates surrendered for transfer and exchange shall be canceled and
destroyed by the Trust Administrator in accordance with its customary
procedures.
| SECTION 5.03. |
Mutilated,
Destroyed, Lost or Stolen
Certificates.
|
If
(i)
any mutilated Certificate is surrendered to the Trust Administrator, or the
Trust Administrator receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and (ii) there is delivered to the Trust
Administrator, the Trustee and the NIMS Insurer such security or indemnity
as
may be required by it to save it harmless, then, in the absence of actual
knowledge by the Trust Administrator that such Certificate has been acquired
by
a bona fide purchaser or the Trust Administrator shall execute, authenticate
and
deliver, in exchange for or in lieu of any such mutilated, destroyed, lost
or
stolen Certificate, a new Certificate of the same Class and of like denomination
and Percentage Interest. Upon the issuance of any new Certificate under this
Section, the Trust Administrator may require the payment of a sum sufficient
to
cover any tax or other governmental charge that may be imposed in relation
thereto and any other expenses (including the fees and expenses of the Trust
Administrator) connected therewith. Any replacement Certificate issued pursuant
to this Section shall constitute complete and indefeasible evidence of
ownership in the applicable REMIC created hereunder, as if originally issued,
whether or not the lost, stolen or destroyed Certificate shall be found at
any
time.
| SECTION 5.04. |
Persons
Deemed Owners.
|
The
Depositor, the Master Servicer, the Servicers, the NIMS Insurer, the Trust
Administrator, the Trustee and any agent of any of them may treat the Person
in
whose name any Certificate is registered as the owner of such Certificate for
the purpose of receiving distributions pursuant to Section 4.01 and for all
other purposes whatsoever, and none of the Depositor, the Master Servicer,
the
Servicers, the NIMS Insurer, the Trust Administrator, the Trustee or any agent
of any of them shall be affected by notice to the contrary.
| SECTION 5.05. |
Certain
Available Information.
|
On
or
prior to the date of the first sale of any Private Certificate to an Independent
third party, the Depositor shall provide to the Trust Administrator ten copies
of any private placement memorandum or other disclosure document used by the
Depositor in connection with the offer and sale of such Certificates. In
addition, if any such private placement memorandum or disclosure document is
revised, amended or supplemented at any time following the delivery thereof
to
the Trust Administrator, the Depositor promptly shall inform the Trust
Administrator of such event and shall deliver to the Trust Administrator ten
copies of the private placement memorandum or disclosure document, as revised,
amended or supplemented. The Trust Administrator shall maintain at its Corporate
Trust Office and shall make available free of charge during normal business
hours for review by any Holder of a Certificate or any Person identified to
the
Trust Administrator as a prospective transferee of a Certificate, originals
or
copies of the following items: (i) in the case of a Holder or prospective
transferee of a Private Certificate, the related private placement memorandum
or
other disclosure document relating to such Class of Certificates, in the form
most recently provided to the Trust Administrator; and (ii) in all cases, (A)
this Agreement and any amendments hereof entered into pursuant to
Section 11.01, (B) all monthly statements required to be delivered to
Certificateholders of the relevant Class pursuant to Section 4.02 since the
Closing Date, and all other notices, reports, statements and written
communications delivered to the Certificateholders of the relevant Class
pursuant to this Agreement since the Closing Date, (C) all certifications
delivered by a Responsible Officer of the Trust Administrator since the Closing
Date, (D) any and all Officers’ Certificates delivered to the Trust
Administrator by each Servicer since the Closing Date to evidence such
Servicer’s determination that any Advance or Servicing Advance was, or if made,
would be a Nonrecoverable Advance or Nonrecoverable Servicing Advance,
respectively, and (E) any and all Officers’ Certificates delivered to the Trust
Administrator by each Servicer since the Closing Date pursuant to
Section 4.04(a). Copies and mailing of any and all of the foregoing items
will be available from the Trust Administrator upon request at the expense
of
the Person requesting the same.
ARTICLE
VI
THE
DEPOSITOR AND THE MASTER SERVICER
| SECTION 6.01. |
Liability
of the Depositor, the Servicers and the Master
Servicer.
|
The
Depositor, the Servicers and the Master Servicer each shall be liable in
accordance herewith only to the extent of the obligations specifically imposed
by this Agreement upon them in their respective capacities as Depositor,
Servicers and Master Servicer and undertaken hereunder by the Depositor, the
Servicers and the Master Servicer herein.
| SECTION 6.02. |
Merger
or Consolidation of the Depositor or the Master
Servicer.
|
Subject
to the following paragraph, the Depositor will keep in full effect its
existence, rights and franchises as a corporation under the laws of the
jurisdiction of its incorporation. Subject to the following paragraph, each
Servicer will keep in full effect its existence, rights and franchises under
the
laws of the United States of America as a national banking association. Subject
to the following paragraph, the Master Servicer will keep in full effect its
existence, rights and franchises as a national banking association and shall
ensure that it (or an Affiliate) maintains its qualification as an approved
conventional seller/servicer for ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac in good standing.
The
Depositor, the Servicers and the Master Servicer each will obtain and preserve
its qualification to do business as a foreign corporation in each jurisdiction
in which such qualification is or shall be necessary to protect the validity
and
enforceability of this Agreement, the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.
The
Depositor, the Servicers or the Master Servicer may be merged or consolidated
with or into any Person, or transfer all or substantially all of its assets
to
any Person, in which case any Person resulting from any merger or consolidation
to which the Depositor, the Servicers or the Master Servicer shall be a party,
or any Person succeeding to the business of the Depositor, the Servicers or
the
Master Servicer, shall be the successor of the Depositor or the Master Servicer,
as the case may be, hereunder, without the execution or filing of any paper
or
any further act on the part of any of the parties hereto, anything herein to
the
contrary notwithstanding; provided, however, that the successor or surviving
Person to a Servicer shall be qualified to service mortgage loans on behalf
of
▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac; and provided further that the Rating Agencies’
ratings of the Class A Certificates and the Mezzanine Certificates in effect
immediately prior to such merger or consolidation will not be qualified, reduced
or withdrawn as a result thereof (as evidenced by a letter to such effect from
the Rating Agencies).
| SECTION 6.03. |
Limitation
on Liability of the Depositor, the Servicers, the Master Servicer
and
Others.
|
(a) ▇▇▇▇▇
Fargo in its capacity as a Servicer (but not the Trustee if it is required
to
succeed a Servicer after becoming Master Servicer hereunder) indemnifies and
holds the NIMS Insurer, the Trustee, the Trust Administrator, the Master
Servicer and the Depositor harmless against any and all claims, losses,
penalties, fines, forfeitures, reasonable legal fees and related costs,
judgments, and any other costs, fees and expenses that the NIMS Insurer, the
Trustee, the Trust Administrator, the Master Servicer and the Depositor may
sustain in any way related to the failure of ▇▇▇▇▇ Fargo in its capcity as
a
Servicer to perform its duties and service the Mortgage Loans in compliance
with
the terms of this Agreement.
JPMorgan
in its capacity as a Servicer (but not the Trustee if it is required to succeed
a Servicer after becoming Master Servicer hereunder) indemnifies and holds
the
NIMS Insurer, the Trustee, the Trust Administrator, the Master Servicer and
the
Depositor harmless against any and all claims, losses, penalties, fines,
forfeitures, reasonable legal fees and related costs, judgments, and any other
costs, fees and expenses that the NIMS Insurer, the Trustee, the Trust
Administrator, the Master Servicer and the Depositor may sustain solely and
directly related to the failure of JPMorgan in its capcity as a Servicer to
perform its duties and service the Mortgage Loans in compliance with the terms
of this Agreement.
Each
Servicer shall immediately notify the NIMS Insurer, the Trustee, the Trust
Administrator, the Master Servicer and the Depositor if a claim is made that
may
result in such claims, losses, penalties, fines, forfeitures, legal fees or
related costs, judgments, or any other costs, fees and expenses, and each
Servicer shall assume (with the consent of the Trust Administrator, the
Depositor, the Master Servicer and the Trustee) the defense of any such claim
and pay all expenses in connection therewith, including reasonable counsel
fees,
and promptly pay, discharge and satisfy any judgment or decree which may be
entered against the the NIMS Insurer, the Trustee, the Trust Administrator,
the
Master Servicer and/or the Depositor in respect of such claim. The provisions
of
this Section 6.03 shall survive the termination of this Agreement and the
payment of the outstanding Certificates.
(b) The
Master Servicer agrees to indemnify the Indemnified Persons for, and to hold
them harmless against, any loss, liability or expense (including reasonable
legal fees and disbursements of counsel) incurred on their part that may be
sustained in connection with, arising out of, or relating to, any claim or
legal
action (including any pending or threatened claim or legal action) relating
to
this Agreement or the Certificates or the powers of attorney delivered by the
Trustee hereunder (i) related to the Master Servicer’s failure to perform its
duties in compliance with this Agreement (except as any such loss, liability
or
expense shall be otherwise reimbursable pursuant to this Agreement) or (ii)
incurred by reason of the Master Servicer’s willful misfeasance, bad faith or
gross negligence in the performance of duties hereunder or by reason of reckless
disregard of obligations and duties hereunder, provided, in each case, that
with
respect to any such claim or legal action (or pending or threatened claim or
legal action), the Trustee shall have given the Master Servicer and the
Depositor written notice thereof promptly after the Trustee shall have with
respect to such claim or legal action knowledge thereof. The Master Servicer’s
failure to receive any such notice shall not affect any Indemnified Person’s
right to indemnification under this Section 6.03(b), except to the extent
the Master Servicer is materially prejudiced by such failure to give notice.
This indemnity shall survive the resignation or removal of the Trustee, Master
Servicer or the Trust Administrator and the termination of this Agreement.
For
purposes of this Section 6.03(b), “Indemnified Persons” means the Trustee,
the NIMS Insurer and their respective officers, directors, agents and employees
and, with respect to the Trustee, any separate co-trustee and its officers,
directors, agents and employees.
(c) None
of
the Depositor, the NIMS Insurer, the Master Servicer, the Trust Administrator,
the Servicers or any of the directors, officers, employees or agents of the
Depositor, the Master Servicer, the Trust Administrator or the Servicers shall
be under any liability to the Trust Fund or the Certificateholders for any
action taken or for refraining from the taking of any action in good faith
pursuant to this Agreement, or for errors in judgment; provided, however, that
this provision shall not protect the Depositor, the Master Servicer, the Trust
Administrator, the Servicers or any such person against any breach of
warranties, representations or covenants made herein, or against any specific
liability imposed on the Master Servicer or Servicers pursuant hereto, or
against any liability which would otherwise be imposed by reason of willful
misfeasance, bad faith or gross negligence in the performance of duties or
by
reason of reckless disregard of obligations and duties hereunder, in the case
of
the Master Servicer, a breach of the servicing standard set forth in Section
3A.01 or in the case of the Servicers, a breach of the servicing standard set
forth in Section 3.01. The Depositor, the NIMS Insurer, the Master Servicer,
the
Trust Administrator and the Servicers and any director, officer, employee or
agent of the Depositor, the NIMS Insurer, the
Master Servicer, the Trust Administrator or
the
Servicers may rely in good faith on any document of any kind which is,
prima
facie,
is
properly executed and submitted by any Person respecting any matters arising
hereunder. The Depositor, the NIMS Insurer, the Master Servicer, the Trust
Administrator, or the Servicers and any director, officer, employee or agent
of
the Depositor, the NIMS Insurer, the Master Servicer, the Trust Administrator,
or the Servicers shall be indemnified and held harmless by the Trust Fund
against any loss, liability or expense incurred in connection with (i) any
legal
action relating to this Agreement or the Certificates, other than any loss,
liability or expense relating to any specific Mortgage Loan or Mortgage Loans
(except as any such loss, liability or expense shall be otherwise reimbursable
pursuant to this Agreement) or any loss, liability or expense incurred by reason
of willful misfeasance, bad faith or negligence in the performance of duties
hereunder or by reason of its reckless disregard of obligations and duties
hereunder or (ii) any breach of a representation or warranty by the Originator
or any other party regarding the Mortgage Loans. None of the Depositor, the
NIMS
Insurer, the Master Servicer, the Trust Administrator or the Servicers shall
be
under any obligation to appear in, prosecute or defend any legal action unless
such action is related to its respective duties under this Agreement and, in
its
opinion, does not involve it in any expense or liability; provided, however,
that each of the Depositor, the NIMS Insurer, the Master Servicer, the Trust
Administrator and the Servicers may in its discretion undertake any such action
which it may deem necessary or desirable with respect to this Agreement and
the
rights and duties of the parties hereto and the interests of the
Certificateholders hereunder. In such event, unless the Depositor, the Master
Servicer or a Servicer, the Trust Administrator acts without the consent of
Holders of Certificates entitled to at least 51% of the Voting Rights in the
case of legal actions initiated by the Depositor, the Master Servicer, the
Trust
Administrator or a Servicer, the legal expenses and costs of such action and
any
liability resulting therefrom (except any loss, liability or expense incurred
by
reason of willful misfeasance, bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder) shall be expenses, costs and liabilities of the Trust Fund, and
the
Depositor, the NIMS Insurer, the Master Servicer, the Trust Administrator and
the related Servicer shall be entitled to be reimbursed therefor from the
Collection Account or Distribution Account, as applicable, as and to the extent
provided in Section 3.11 or Section 3A.12, any such right of reimbursement
being
prior to the rights of the Certificateholders to receive any amount in the
Collection Account or Distribution Account. The Master Servicer’s, the Trust
Administrator’s or Servicer’s right to indemnity or reimbursement pursuant to
this Section shall survive any termination of this Agreement, any resignation
or
termination of the Master Servicer, the Trust Administrator or such Servicer
pursuant to Section 6.04 or 7.01 with respect to any losses, expenses, costs
or
liabilities arising prior to such resignation or termination (or arising from
events that occurred prior to such resignation or termination).
| SECTION 6.04. |
Limitation
on Resignation of the Servicers; Assignment of Master
Servicing.
|
(a) Except
as
otherwise provided herein, each Servicer shall not resign from the obligations
and duties hereby imposed on it except upon determination that its duties
hereunder are no longer permissible under applicable law. Any such determination
pursuant to the preceding sentence permitting the resignation of a Servicer
shall be evidenced by an Opinion of Counsel to such effect obtained at the
expense of such Servicer and delivered to the Trustee, the Trust Administrator,
the Master Servicer and the NIMS Insurer. No resignation of a Servicer shall
become effective until the Master Servicer (or if the Master Servicer is the
Servicer, the Trustee) or a successor servicer acceptable to the NIMS Insurer
shall have assumed such Servicer’s responsibilities, duties, liabilities (other
than those liabilities arising prior to the appointment of such successor)
and
obligations under this Agreement. Any such resignation shall not relieve the
related Servicer of responsibility for any of the obligations specified in
Sections 7.01 and 7.02 as obligations that survive the resignation or
termination of the related Servicer.
Except
as
expressly provided herein, each Servicer shall not assign or transfer any of
its
rights, benefits or privileges hereunder to any other Person, or delegate to
or
subcontract with, or authorize or appoint any other Person to perform any of
the
duties, covenants or obligations to be performed by the related Servicer
hereunder. The foregoing prohibition on assignment shall not prohibit a Servicer
from designating a Sub-Servicer as payee of any indemnification amount payable
to such Servicer hereunder; provided, however, that as provided in Section
3.06
hereof, no Sub-Servicer shall be a third-party beneficiary hereunder and the
parties hereto shall not be required to recognize any Sub-Servicer as an
indemnitee under this Agreement. If, pursuant to any provision hereof, the
duties of the related Servicer are transferred to a successor servicer, the
entire amount of the Servicing Fee and other compensation payable to the related
Servicer pursuant hereto shall thereafter be payable to such successor
servicer.
(b) The
Master Servicer may sell, assign or delegate its rights, duties and obligations
as Master Servicer under this Agreement in their entirety; provided, however,
that: (i) the purchaser or transferee accepting such sale, assignment and
delegation (a) shall be a Person qualified to service mortgage loans for ▇▇▇▇▇▇
▇▇▇ or ▇▇▇▇▇▇▇ Mac; (b) shall have a net worth of not less than $50,000,000
(unless otherwise approved by each Rating Agency pursuant to clause (ii) below);
(c) shall be reasonably satisfactory to the NIMS Insurer and the Trustee (as
evidenced in a writing signed by each of the NIMS Insurer and the Trustee);
and
(d) shall execute and deliver to the Trustee and the NIMS Insurer an agreement,
in form and substance reasonably satisfactory to the Trustee and the NIMS
Insurer, which contains an assumption by such Person of the due and punctual
performance and observance of each covenant and condition to be performed or
observed by it as master servicer under this Agreement from and after the
effective date of such assumption agreement; (ii) each Rating Agency shall
be
given prior written notice of the identity of the proposed successor to the
Master Servicer and shall confirm in writing to the Master Servicer, the NIMS
Insurer and the Trustee that any such sale, assignment or delegation would
not
result in a withdrawal or a downgrading of the rating on any Class of
Certificates in effect immediately prior to such sale, assignment or delegation;
and (iii) the Master Servicer shall deliver to the Trustee an Officers’
Certificate and an Opinion of Counsel, each stating that all conditions
precedent to such action under this Agreement have been fulfilled and such
action is permitted by and complies with the terms of this Agreement. No such
sale, assignment or delegation shall affect any liability of the Master Servicer
arising prior to the effective date thereof.
| SECTION 6.05. |
Successor
Master Servicer.
|
In
connection with the appointment of any successor Master Servicer or the
assumption of the duties of the Master Servicer, the Depositor, the NIMS Insurer
or the Trustee may make such arrangements for the compensation of such successor
Master Servicer out of payments on the Mortgage Loans as the Depositor, the
NIMS
Insurer or the Trustee and such successor Master Servicer shall agree. If the
successor Master Servicer does not agree that such market value is a fair price,
such successor Master Servicer shall obtain two quotations of market value
from
third parties actively engaged in the master servicing of single-family mortgage
loans. Notwithstanding the foregoing, the compensation payable to a successor
Master Servicer may not exceed the compensation which the Master Servicer would
have been entitled to retain if the Master Servicer had continued to act as
Master Servicer hereunder.
| SECTION 6.06. |
Rights
of the Depositor in Respect of the
Servicers.
|
Each
Servicer shall afford (and any Sub-Servicing Agreement shall provide that each
Sub-Servicer shall afford) the Depositor, the NIMS Insurer, the Master Servicer,
the Trust Administrator and the Trustee, upon five (5) Business Days prior
notice, during normal business hours, access to all records maintained by each
Servicer (and any such Sub-Servicer) in respect of each Servicer’s rights and
obligations hereunder and access to officers of each Servicer (and those of
any
such Sub-Servicer) responsible for such obligations. Upon request, each Servicer
agrees that is shall furnish to the Depositor, the NIMS Insurer, the Master
Servicer, the Trust Administrator and the Trustee its (and any such
Sub-Servicer’s) most recent financial statements and such other information
relating to the related Servicer’s capacity to perform its obligations under
this Agreement as it possesses (and that any such Sub-Servicer possesses).
To
the extent such information is not otherwise available to the public, the
Depositor, the NIMS Insurer, the Master Servicer, the Trust Administrator and
the Trustee shall not disseminate any information obtained pursuant to the
preceding two sentences without the related Servicer’s written consent, except
as required pursuant to this Agreement or to the extent that it is appropriate
to do so (i) in working with legal counsel, auditors, taxing authorities or
other governmental agencies or (ii) pursuant to any law, rule, regulation,
order, judgment, writ, injunction or decree of any court or governmental
authority having jurisdiction over the Depositor and the Trustee or the Trust
Fund, and in any case, the Depositor, the NIMS Insurer, the Master Servicer,
the
Trust Administrator or the Trustee, as the case may be, shall use its best
efforts to assure the confidentiality of any such disseminated non-public
information.
The
Depositor may, but is not obligated to, enforce the obligations of the Servicers
under this Agreement and may, but is not obligated to, perform, or cause a
designee to perform, any defaulted obligation of a Servicer under this Agreement
or exercise the rights of a Servicer under this Agreement; provided that the
Servicers shall not be relieved of any of its obligations under this Agreement
by virtue of such performance by the Depositor or its designee. The Depositor
shall not have any responsibility or liability for any action or failure to
act
by a Servicer and is not obligated to supervise the performance of a Servicer
under this Agreement or otherwise.
| SECTION 6.07. |
Duties
of the Credit Risk Manager.
|
For
and
on behalf of the Depositor, the Credit Risk Manager will provide reports and
recommendations concerning certain delinquent and defaulted Mortgage Loans,
and
as to the collection of any Prepayment
Charges with respect to the Mortgage Loans. Such reports and recommendations
will be
based
upon
information provided to the Credit Risk Manager pursuant to the respective
Credit Risk Management Agreement, and the Credit Risk Manager shall look solely
to the Servicers and/or Master Servicer, as applicable, for all information
and
data (including loss and delinquency information and data) relating to the
servicing of the Mortgage Loans. Upon any termination of the Credit Risk Manager
or the appointment of a successor Credit Risk Manager, the Depositor shall
give
written notice thereof to the Servicers, the Trustee, the Master Servicer,
the
Trust Administrator, the NIMS Insurer and each Rating Agency. Notwithstanding
the foregoing, the termination of the Credit Risk Manager pursuant to this
Section shall not become effective until the appointment of a successor
Credit Risk Manager.
| SECTION 6.08. |
Limitation
Upon Liability of the Credit Risk
Manager.
|
Neither
the Credit Risk Manager, nor any of its directors, officers, employees, or
agents shall be under any liability to the Trustee, the Certificateholders,
the
Trust Administrator, the Servicers, the Master Servicer or the Depositor for
any
action taken or for refraining from the taking of any action made in good faith
pursuant to this Agreement, in reliance upon information provided by the
Servicers or the Master Servicer under the related Credit Risk Management
Agreement, or for errors in judgment; provided, however, that this provision
shall not protect the Credit Risk Manager or any such person against liability
that would otherwise be imposed by reason of willful malfeasance or bad faith
in
its performance of its duties. The Credit Risk Manager and any director,
officer, employee, or agent of the Credit Risk Manager may rely in good faith
on
any document of any kind prima
facie
properly
executed and submitted by any Person respecting any matters arising hereunder,
and may rely in good faith upon the accuracy of information furnished by the
Servicers or the Master Servicer pursuant to the related Credit Risk Management
Agreement in the performance of its duties thereunder and
hereunder.
| SECTION 6.09. |
Removal
of the Credit Risk Manager.
|
The
Credit Risk Manager may be removed as Credit Risk Manager by Certificateholders
holding not less than 66 2/3% of the Voting Rights in the Trust Fund, in the
exercise of its or their sole discretion. The Certificateholders shall provide
written notice of the Credit Risk Manager’s removal to the Trust Administrator.
Upon receipt of such notice, the Trust Administrator shall provide written
notice to the Credit Risk Manager of its removal, which shall be effective
upon
receipt of such notice by the Credit Risk Manager.
ARTICLE
VII
DEFAULT
| SECTION 7.01. |
Servicer
Events of Default and Master Servicer Events of
Termination.
|
(a) Unless
otherwise specified, all references to “the Servicer” under this Section 7.01(a)
shall be to events or actions as they relate to a specific Servicer. “Servicer
Event of Default,” wherever used herein, means any one of the following
events:
(i) any
failure by the Servicer to remit to the Trust Administrator for distribution
to
the Certificateholders any payment (other than an Advance required to be made
from its own funds on any Servicer Remittance Date pursuant to Section 4.03)
required to be made under the terms of the Certificates and this Agreement
which
continues unremedied for a period of one Business Day after the date upon which
written notice of such failure, requiring the same to be remedied, shall have
been given to the Servicer by the Depositor or the Trust Administrator (in
which
case notice shall be provided by telecopy), or to the Servicer, the Depositor
and the Trust Administrator by the NIMS Insurer or the Holders of Certificates
entitled to at least 25% of the Voting Rights; or
(ii) other
than with respect to clause (vi) below, any failure on the part of the Servicer
duly to observe or perform in any material respect any other of the covenants
or
agreements on the part of the Servicer contained in this Agreement, or the
breach by the Servicer of any representation and warranty contained in Section
2.05, which continues unremedied for a period of 30 days (or if such failure
or
breach cannot be remedied within 30 days, then such remedy shall have been
commenced within 30 days and diligently pursued thereafter; provided, however,
that in no event shall such failure or breach be allowed to exist for a period
of greater than 90 days) after the earlier of (i) the date on which written
notice of such failure, requiring the same to be remedied, shall have been
given
to the Servicer by the Depositor or the Trust
Administrator or
to the
Servicer, the Depositor and the Trust Administrator by the NIMS Insurer or
the
Holders of Certificates entitled to at least 25% of the Voting Rights and (ii)
actual knowledge of such failure by a Servicing Officer of the Servicer;
or
(iii) a
decree
or order of a court or agency or supervisory authority having jurisdiction
in
the premises in an involuntary case under any present or future federal or
state
bankruptcy, insolvency or similar law or the appointment of a conservator or
receiver or liquidator in any insolvency, readjustment of debt, marshalling
of
assets and liabilities or similar proceeding, or for the winding-up or
liquidation of its affairs, shall have been entered against the Servicer and
such decree or order shall have remained in force undischarged or unstayed
for a
period of 90 days; or
(iv) the
Servicer shall consent to the appointment of a conservator or receiver or
liquidator in any insolvency, readjustment of debt, marshalling of assets and
liabilities or similar proceedings of or relating to it or of or relating to
all
or substantially all of its property; or
(v) the
Servicer shall admit in writing its inability to pay its debts generally as
they
become due, file a petition to take advantage of any applicable insolvency
or
reorganization statute, make an assignment for the benefit of its creditors,
or
voluntarily suspend payment of its obligations; or
(vi) any
failure by the Servicer to timely comply with its obligations pursuant to
Section 3.20, Section 3.21 or Section 4.06 hereof (in each case, taking into
account any applicable cure periods);
(vii) any
failure of the Servicer to make any Advance on any Servicer Remittance Date
required to be made from its own funds pursuant to Section 4.03 which continues
unremedied until 3:00 p.m. New York time on the Business Day following the
Servicer Remittance Date.
If
(a) a
Servicer Event of Default described in clauses (i) through (vi) of this Section
shall occur, then, and in each and every such case, so long as such Servicer
Event of Default shall not have been remedied, the Depositor, the Master
Servicer, the Trustee or the Trust Administrator may, and at the written
direction of the Holders of Certificates entitled to at least 51% of Voting
Rights, or at the direction of the NIMS Insurer, the Trustee shall or (b) a
Servicer Event of Default described in clause (vii) of this Section shall occur
and the Trustee or the Master Servicer has, at the direction of the Depositor,
determined to terminate the Servicer, then the Trustee, shall, by notice in
writing to the Servicer, the Master Servicer and the Depositor, terminate all
of
the rights and obligations of the Servicer in its capacity as Servicer under
this Agreement, to the extent permitted by law, and in and to the Mortgage
Loans
and the proceeds thereof. If a Servicer Event of Default described in clause
(vii) hereof shall occur, the Trustee shall, by notice in writing to the
Servicer, the Depositor, the Master Servicer and the NIMS Insurer, terminate
all
of the rights and obligations of the Servicer in its capacity as Servicer under
this Agreement and in and to the Mortgage Loans and the proceeds thereof.
Subject to Section 7.02 hereof, on or after the receipt by the Servicer of
such
written notice, all authority and power of the Servicer under this Agreement,
whether with respect to the Certificates (other than as a Holder of any
Certificate) or the Mortgage Loans or otherwise, shall pass to and be vested
in
the Master Servicer or (if the Master Servicer is the Servicer) the Trustee
pursuant to and under this Section, and, without limitation, the Master Servicer
or the Trustee, as applicable, is hereby authorized and empowered, as
attorney-in-fact or otherwise, to execute and deliver, on behalf of and at
the
expense of the Servicer, any and all documents and other instruments and to
do
or accomplish all other acts or things necessary or appropriate to effect the
purposes of such notice of termination, whether to complete the transfer and
endorsement or assignment of the Mortgage Loans and related documents, or
otherwise. The Servicer agrees to promptly (and in any event no later than
ten
Business Days subsequent to such notice) provide the Master Servicer or the
Trustee, as applicable, with all documents and records requested by it to enable
it to assume the Servicer’s functions under this Agreement, and to cooperate
with the Master Servicer or the Trustee, as applicable, in effecting the
termination of the Servicer’s responsibilities and rights under this Agreement,
including, without limitation, the transfer within one Business Day to the
Master Servicer or the Trustee, as applicable, for administration by it of
all
cash amounts which at the time shall be or should have been credited by the
Servicer to the Collection Account held by or on behalf of the Servicer, the
Distribution Account or any REO Account or Servicing Account held by or on
behalf of the Servicer or thereafter be received with respect to the Mortgage
Loans or any REO Property serviced by the Servicer; provided, however, that
the
Servicer shall continue to be entitled to receive all amounts accrued or owing
to it under this Agreement on or prior to the date of such termination, whether
in respect of Advances or otherwise, and shall continue to be entitled to the
benefits of Section 6.03, notwithstanding any such termination, with respect
to
events occurring prior to such termination.
(b) “Master
Servicer Event of Termination,” wherever used herein, means any one of the
following events:
(i) the
Master Servicer fails to cause to be deposited in the Distribution Account
any
amount so required to be deposited pursuant to this Agreement (other than an
Advance), and such failure continues unremedied for a period of three Business
Days after the date upon which written notice of such failure, requiring the
same to be remedied, shall have been given to the Master Servicer;
or
(ii) the
Master Servicer fails to observe or perform in any material respect any other
material covenants and agreements set forth in this Agreement to be performed
by
it, which covenants and agreements materially affect the rights of
Certificateholders, and such failure continues unremedied for a period of 60
days after the date on which written notice of such failure, properly requiring
the same to be remedied, shall have been given to the Master Servicer by the
Trustee or the NIMS Insurer or to the Master Servicer and the Trustee by the
Holders of Certificates evidencing not less than 25% of the Voting Rights;
or
(iii) there
is
entered against the Master Servicer a decree or order by a court or agency
or
supervisory authority having jurisdiction in the premises for the appointment
of
a conservator, receiver or liquidator in any insolvency, readjustment of debt,
marshaling of assets and liabilities or similar proceedings, or for the winding
up or liquidation of its affairs, and the continuance of any such decree or
order is unstayed and in effect for a period of 60 consecutive days, or an
involuntary case is commenced against the Master Servicer under any applicable
insolvency or reorganization statute and the petition is not dismissed within
60
days after the commencement of the case; or
(iv) the
Master Servicer consents to the appointment of a conservator or receiver or
liquidator in any insolvency, readjustment of debt, marshaling of assets and
liabilities or similar proceedings of or relating to the Master Servicer or
substantially all of its property; or the Master Servicer admits in writing
its
inability to pay its debts generally as they become due, files a petition to
take advantage of any applicable insolvency or reorganization statute, makes
an
assignment for the benefit of its creditors, or voluntarily suspends payment
of
its obligations; or
(v) the
Master Servicer assigns or delegates its duties or rights under this Agreement
in contravention of the provisions permitting such assignment or delegation
under Section 6.05; or
(vi) any
failure of the Master Servicer to make any Advance (other than a Nonrecoverable
Advance) required to be made from its own funds pursuant to Section 4.03 by
5:00 p.m. New York time on the Business Day prior to the applicable Distribution
Date.
In
each
and every such case, so long as such Master Servicer Event of Termination with
respect to the Master Servicer shall not have been remedied, either the Trustee,
the NIMS Insurer or the Holders of Certificates evidencing not less than 51%
of
the Voting Rights, by notice in writing to the Depositor, the Master Servicer
(and to the Trustee if given by such Certificateholders), with a copy to the
NIMS Insurer and the Rating Agencies, may terminate all of the rights and
obligations (but not the liabilities) of the Master Servicer under this
Agreement and in and to the Mortgage Loans and/or the REO Property master
serviced by the Master Servicer and the proceeds thereof. Upon the receipt
by
the Master Servicer of the written notice, all authority and power of the Master
Servicer under this Agreement, whether with respect to the Certificates, the
Mortgage Loans, REO Property or under any other related agreements (but only
to
the extent that such other agreements relate to the Mortgage Loans or related
REO Property) shall, subject to Section 7.03, automatically and without
further action pass to and be vested in the Trustee pursuant to this
Section 7.01(b); and, without limitation, the Trustee is hereby authorized
and empowered to execute and deliver, on behalf of the Master Servicer as
attorney-in-fact or otherwise, any and all documents and other instruments
and
to do or accomplish all other acts or things necessary or appropriate to effect
the purposes of such notice of termination, whether to complete the transfer
and
endorsement or assignment of the Mortgage Loans and related documents, or
otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting
the termination of the Master Servicer’s rights and obligations hereunder,
including, without limitation, the transfer to the Trustee of (i) the property
and amounts which are then or should be part of the Trust Fund or which
thereafter become part of the Trust Fund; and (ii) originals or copies of all
documents of the Master Servicer reasonably requested by the Trustee to enable
it to assume the Master Servicer’s duties thereunder. In addition to any other
amounts which are then, or, notwithstanding the termination of its activities
under this Agreement, may become payable to the Master Servicer under this
Agreement, the Master Servicer shall be entitled to receive, out of any amount
received on account of a Mortgage Loan or related REO Property, that portion
of
such payments which it would have received as reimbursement under this Agreement
if notice of termination had not been given. The termination of the rights
and
obligations of the Master Servicer shall not affect any obligations incurred
by
the Master Servicer prior to such termination.
Notwithstanding
the foregoing, if a Master Servicer Event of Termination described in clause
(vi) of this Section 7.01(b) shall occur, the Trustee shall, by notice in
writing to the Master Servicer, which may be delivered by telecopy, immediately
terminate all of the rights and obligations of the Master Servicer thereafter
arising under this Agreement, but without prejudice to any rights it may have
as
a Certificateholder or to reimbursement of Advances and other advances of its
own funds, and the Trustee shall act as provided in Section 7.03 to carry
out the duties of the Master Servicer, including the obligation to make any
Advance the nonpayment of which was a Master Servicer Event of Termination
described in clause (vi) of this Section 7.01(b). Any such action taken by
the Trustee must be prior to the distribution on the relevant Distribution
Date.
| SECTION 7.02. |
Master
Servicer or Trustee to Act; Appointment of Successor
Servicer.
|
(a) From
the
time a Servicer receives a notice of termination, the Master
Servicer
or (if
the Master Servicer is the Servicer) the Trustee (or such other successor
servicer as is acceptable to the NIMS Insurer) shall be the successor in all
respects to the Servicer in its capacity as Servicer under this Agreement and
the transactions set forth or provided for herein, and all the responsibilities,
duties and liabilities relating thereto and arising thereafter shall be assumed
by the Master Servicer or the Trustee, as applicable, (except for any
representations or warranties of the Servicer under this Agreement, the
responsibilities, duties and liabilities contained in Section 2.05 (other than
with respect to Section 2.05(x)) and the obligation to deposit amounts in
respect of losses pursuant to Section 3.12) by the terms and provisions hereof;
provided, however, the Master Servicer or the Trustee, as applicable, shall
immediately assume the Servicer’s obligations to make Advances pursuant to
Section 4.03; provided, further, however, that if the Master Servicer or the
Trustee, as applicable, is prohibited by law or regulation from obligating
itself to make advances regarding delinquent mortgage loans, then the Master
Servicer or the Trustee, as applicable, shall not be obligated to make Advances
pursuant to Section 4.03; and provided further, that any failure to perform
such
duties or responsibilities caused by the Servicer’s failure to provide
information required by Section 7.01(a) shall not be considered a default by
the
Master Servicer or the Trustee, as applicable, as successor to the Servicer
hereunder. It is understood and acknowledged by the parties hereto that there
will be a period of transition (not to exceed 90 days) before the transition
of
servicing obligations is fully effective. As compensation therefor, the Master
Servicer or the Trustee, as applicable, shall be entitled to the Servicing
Fee
and all funds relating to the Mortgage Loans to which the Servicer would have
been entitled if it had continued to act hereunder. Notwithstanding the above
and subject to Section 7.02(b) below, the Master Servicer or the Trustee, as
applicable, if it shall be unwilling to so act, or shall, if it is unable to
so
act or if it is prohibited by law from making advances regarding delinquent
mortgage loans or if the Holders of Certificates entitled to at least 51% of
the
Voting Rights or the NIMS Insurer so request in writing to the Trustee, promptly
appoint or petition a court of competent jurisdiction to appoint, an established
mortgage loan servicing institution acceptable to each Rating Agency and the
NIMS Insurer and having a net worth of not less than $15,000,000, as the
successor to the Servicer under this Agreement in the assumption of all or
any
part of the responsibilities, duties or liabilities of the Servicer under this
Agreement.
Pending
appointment of a successor to the Servicer hereunder, unless the Master Servicer
or the Trustee, as applicable, is prohibited by law from so acting, the Master
Servicer or the Trustee, as applicable, shall act in such capacity as
hereinabove provided. In connection with such appointment and assumption, the
successor shall be entitled to receive compensation out of payments on Mortgage
Loans in an amount equal to the compensation which the Servicer would otherwise
have received pursuant to Section 3.18 (or such other compensation as the Master
Servicer or the Trustee, as applicable, and such successor shall agree, not
to
exceed the Servicing Fee). The appointment of a successor servicer shall not
affect any liability of the predecessor Servicer which may have arisen under
this Agreement prior to its termination as Servicer to pay any deductible under
an insurance policy pursuant to Section 3.14 or to indemnify the NIMS Insurer
pursuant to Section 6.03, nor shall any successor servicer be liable for any
acts or omissions of the predecessor servicer or for any breach by such servicer
of any of its representations or warranties contained herein or in any related
document or agreement. The Master Servicer or the Trustee, as applicable, and
such successor shall take such action, consistent with this Agreement, as shall
be necessary to effectuate any such succession. All reasonable Servicing
Transfer Costs shall be paid by the predecessor servicer upon presentation
of
reasonable documentation of such costs, and if such predecessor servicer
defaults in its obligation to pay such costs, such costs shall be paid by the
successor servicer or the Master Servicer or the Trustee, as applicable (in
which case the successor servicer or the Master Servicer or the Trustee, as
applicable, shall be entitled to reimbursement therefor from the assets of
the
Trust Fund).
(b) No
appointment of a successor to the Servicer under this Agreement shall be
effective until the assumption by the successor of all of the Servicer’s
responsibilities, duties and liabilities hereunder. In connection with such
appointment and assumption described herein, the Master Servicer or the Trustee,
as applicable, may make such arrangements for the compensation of such successor
out of payments on Mortgage Loans as it and such successor shall agree;
provided, however, that no such compensation shall be in excess of that
permitted the Servicer as such hereunder. The Depositor, the Trustee, the Trust
Administrator, the Master Servicer and such successor shall take such action,
consistent with this Agreement, as shall be necessary to effectuate any such
succession. Pending appointment of a successor to the Servicer under this
Agreement the Master Servicer or the Trustee, as applicable, shall act in such
capacity as hereinabove provided.
Any
successor to the Servicer, including the Master Servicer or the Trustee, as
applicable, shall during the term of its service as servicer continue to service
and administer the Mortgage Loans for the benefit of Certificateholders, and
maintain in force a policy or policies of insurance covering errors and
omissions in the performance of its obligations as Servicer hereunder and a
fidelity bond in respect of its officers, employees and agents to the same
extent as the Servicer is so required pursuant to Section 3.14.
(c) Notwithstanding
any provision in this Agreement to the contrary, for a period of 30 days
following the date on which the Servicer shall have received a notice of a
Servicer Event of Default pursuant to Section 7.01, or a default under a loan
agreement pursuant to Section 6.04 or a Servicer resignation pursuant to Section
6.04, the terminated Servicer or its designee may appoint a successor servicer
that satisfies the eligibility criteria of a successor servicer set forth above;
provided that such successor servicer agrees to fully effect the servicing
transfer within 90 days following the termination of the Servicer and to make
all Advances that would otherwise be made by the Master Servicer or the Trustee,
as applicable, under Section 7.01 as of the date of such appointment. Any
proceeds received in connection with the appointment of such successor servicer
(after deduction of any expenses incurred in connection with the servicing
transfer) shall be the property of the terminated Servicer or its designee.
Notwithstanding the foregoing, in the event of a Servicer Event of Default
pursuant to Section 7.01(a)(vii), either (i) the Servicer shall remit the amount
of the required Advance by 3:00 p.m.
New York
time on the Business Day following the Servicer Remittance Date or (ii) by
3:00
p.m. New York time on the Business Day following the Servicer Remittance Date,
the Servicer shall have appointed a successor servicer that satisfies the
eligibility criteria of a successor servicer set forth above and that has
remitted the amount of the required Advance to the Trust Administrator. If
the
Servicer fails to adhere to the requirements set forth in the immediately
preceding sentence, the Master Servicer or the Trustee, as applicable, shall
be
the successor in all respects to the Servicer in its capacity as Servicer under
this Agreement and shall immediately assume the Servicer’s obligations to make
Advances. In no event shall the termination of the Servicer under this Agreement
result in any diminution of the Servicer’s right to reimbursement for any
outstanding Advances or Servicing Advances or accrued and unpaid Servicing
Fees
due such Servicer at the time of termination. Reimbursement of unreimbursed
Advances and Servicing Advances and accrued and unpaid Servicing Fees shall
be
made on a FIFO, loan-by-loan basis. The Servicer shall continue to be entitled
to the benefits of Section 6.03 hereof related to indemnification,
notwithstanding any termination hereunder.
(d) In
connection with the termination or resignation of the Servicer hereunder, either
(i) the successor servicer, including the Master Servicer or the Trustee, as
applicable, if the Master Servicer or the Trustee, as applicable, is acting
as
successor servicer, shall represent and warrant that it is a member of MERS
in
good standing and shall agree to comply in all material respects with the rules
and procedures of MERS in connection with the servicing of the Mortgage Loans
that are registered with MERS, in which case the predecessor servicer shall
cooperate with the successor servicer in causing MERS to revise its records
to
reflect the transfer of servicing to the successor servicer as necessary under
MERS’ rules and regulations, or (ii) the predecessor servicer shall cooperate
with the successor servicer in causing MERS to execute and deliver an assignment
of Mortgage in recordable form to transfer the Mortgage from MERS to the Master
Servicer or the Trustee, as applicable, and to execute and deliver such other
notices, documents and other instruments as may be necessary or desirable to
effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan
on
the MERS® System to the successor servicer. The predecessor servicer shall file
or cause to be filed any such assignment in the appropriate recording office.
The predecessor servicer shall bear any and all fees of MERS, costs of preparing
any assignments of Mortgage, and fees and costs of filing any assignments of
Mortgage that may be required under this Section 7.02(d).
| SECTION 7.03. |
Trustee
to Act; Appointment of Successor Master
Servicer.
|
(a) Upon
the
receipt by the Master Servicer of a notice of termination pursuant to
Section 7.01(b) or an Opinion of Counsel rendered by Independent counsel
pursuant to Section 6.05(b) to the effect that the Master Servicer is
legally unable to act or to delegate its duties to a Person which is legally
able to act, the Trustee shall automatically become the successor in all
respects to the Master Servicer in its capacity under this Agreement and the
transactions set forth or provided for herein and shall thereafter be subject
to
all the responsibilities, duties, liabilities and limitations on liabilities
relating thereto placed on the Master Servicer by the terms and provisions
hereof; provided, however, that the Trustee (i) shall have no obligation
whatsoever with respect to any liability (other than Advances deemed recoverable
and not previously made) incurred by the Master Servicer at or prior to the
time
of termination and (ii) shall not be obligated to perform any obligation of
the
Master Servicer under Section 3.20 or 3.21 with respect to any period of time
during which the Trustee was not the Master Servicer. As compensation therefor,
but subject to Section 6.05, the Trustee shall be entitled to compensation
which the Master Servicer would have been entitled to retain if the Master
Servicer had continued to act hereunder, except for those amounts due the Master
Servicer as reimbursement permitted under this Agreement for advances previously
made or expenses previously incurred. Notwithstanding the above, the Trustee
may, if it shall be unwilling so to act, or shall, if it is legally unable
so to
act, appoint or petition a court of competent jurisdiction to appoint, any
established housing and home finance institution which is a ▇▇▇▇▇▇ ▇▇▇- or
▇▇▇▇▇▇▇ Mac-approved servicer, and with respect to a successor to the Master
Servicer only, having a net worth of not less than $10,000,000, as the successor
to the Master Servicer hereunder in the assumption of all or any part of the
responsibilities, duties or liabilities of the Master Servicer hereunder;
provided, that the Trustee shall obtain consent from the NIMS Insurer and a
letter or other evidence each Rating Agency that the ratings, if any, on each
of
the Certificates will not be lowered as a result of the selection of the
successor to the Master Servicer. Pending appointment of a successor to the
Master Servicer hereunder, the Trustee shall act in such capacity as hereinabove
provided. In connection with such appointment and assumption, the Trustee may
make such arrangements for the compensation of such successor out of payments
on
the Mortgage Loans as it and such successor shall agree; provided, however,
that
the provisions of Section 6.05 shall apply, the compensation shall not be
in excess of that which the Master Servicer would have been entitled to if
the
Master Servicer had continued to act hereunder, and that such successor shall
undertake and assume the obligations of the Trustee to pay compensation to
any
third Person acting as an agent or independent contractor in the performance
of
master servicing responsibilities hereunder. The Trustee and such successor
shall take such action, consistent with this Agreement, as shall be necessary
to
effectuate any such succession.
If
the
Master Servicer and the Trust Administrator are the same entity, then at any
time the Master Servicer resigns or is removed as Master Servicer, the Trust
Administrator shall also be removed hereunder. All reasonable Master Servicing
Transfer Costs shall be paid by the predecessor Master Servicer upon
presentation of reasonable documentation of such costs, and if such predecessor
Master Servicer defaults in its obligation to pay such costs, such costs shall
be paid by the successor Master Servicer or the Trustee (in which case the
successor Master Servicer or the Trustee, as applicable, shall be entitled
to
reimbursement therefor from the assets of the Trust Fund).
(b) If
the
Trustee shall succeed to any duties of the Master Servicer respecting the
Mortgage Loans as provided herein, it shall do so in a separate capacity and
not
in its capacity as Trustee and, accordingly, the provisions of Article VIII
shall be inapplicable to the Trustee in its duties as the successor to the
Master Servicer in the master servicing of the Mortgage Loans (although such
provisions shall continue to apply to the Trustee in its capacity as Trustee);
the provisions of Article VI, however, shall apply to it in its capacity as
successor Master Servicer.
| SECTION 7.04. |
Notification
to Certificateholders.
|
(a) Upon
any
termination of a Servicer or the Master Servicer pursuant to Section 7.01
above or any appointment of a successor to a Servicer or Master Servicer
pursuant to Section 7.02 or Section 7.03 above, the Trust Administrator, or
in the event of the termination of the Master Servicer, the Trustee (or such
other successor Trust Administrator) shall give prompt written notice thereof
to
each Servicer, the Credit Risk Manager, the NIMS Insurer, the Master Servicer
and the Certificateholders at their respective addresses appearing in the
Certificate Register.
(b) Not
later
than the later of 60 days after the occurrence of any event, which constitutes
or which, with notice or lapse of time or both, would constitute a Servicer
Event of Default or a Master Servicer Event of Termination or five days after
a
Responsible Officer of the Trust Administrator (in the case of a Servicer Event
of Default) or the Trustee (in the case of a Master Servicer Event of
Termination) becomes aware of the occurrence of such an event, the Trust
Administrator or Trustee, as applicable, shall transmit by mail to the Credit
Risk Manager, the NIMS Insurer and to all Holders of Certificates notice of
each
such occurrence, unless such Servicer Event of Default or Master Servicer Event
of Termination shall have been cured or waived.
| SECTION 7.05. |
Waiver
of Servicer Events of Default and Master Servicer Events of
Termination.
|
The
Holders representing at least 66% of the Voting Rights (with the consent of
the
NIMS Insurer) evidenced by all Classes of Certificates affected by any default,
Servicer Event of Default or Master Servicer Event of Termination hereunder
may
waive such default, Servicer Event of Default or Master Servicer Event of
Termination; provided, however, that a Servicer Event of Default under clause
(i) or (vi) of Section 7.01(a) or Master Servicer Event of Termination under
clause (i) or (vii) of Section 7.01(b) may be waived only by all of the
Holders of the Regular Certificates (with the consent of the NIMS Insurer).
Upon
any such waiver of a default, Servicer Event of Default or Master Servicer
Event
of Termination, such default, Servicer Event of Default or Master Servicer
Event
of Termination shall cease to exist and shall be deemed to have been remedied
for every purpose hereunder. No such waiver shall extend to any subsequent
or
other default, Servicer Event of Default or Master Servicer Event of Termination
or impair any right consequent thereon except to the extent expressly so waived.
Notice of any such waiver shall be given by the Trust Administrator or the
Trustee as applicable, to the Rating Agencies and the NIMS Insurer.
| SECTION 7.06. |
Survivability
of Servicer and Master Servicer
Liabilities.
|
Notwithstanding
anything herein to the contrary, upon termination of a Servicer or the Master
Servicer hereunder, any liabilities
of
the related Servicer or the Master Servicer, as applicable, which accrued prior
to such termination shall survive such termination.
ARTICLE
VIII
CONCERNING
THE TRUSTEE AND THE TRUST ADMINISTRATOR
| SECTION 8.01. |
Duties
of Trustee and Trust Administrator.
|
The
Trustee and the Trust Administrator, prior to the occurrence of a Servicer
Event
of Default or Master Servicer Event of Termination and after the curing of
all
Servicer Events of Default or Master Servicer Events of Termination which may
have occurred, undertakes to perform such duties and only such duties as are
specifically set forth in this Agreement. If a Servicer Event of Default or
Master Servicer Event of Termination has occurred (which has not been cured)
of
which a Responsible Officer has knowledge, each of the Trustee and the Trust
Administrator shall exercise such of the rights and powers vested in it by
this
Agreement, and use the same degree of care and skill in their exercise, as
a
prudent man would exercise or use under the circumstances in the conduct of
his
own affairs.
Each
of
the Trustee and the Trust Administrator, upon receipt of all resolutions,
certificates, statements, opinions, reports, documents, orders or other
instruments furnished to it which are specifically required to be furnished
pursuant to any provision of this Agreement, shall examine them to determine
whether they conform to the requirements of this Agreement; provided, however,
that neither the Trustee nor the Trust Administrator will be responsible for
the
accuracy or content of any such resolutions, certificates, statements, opinions,
reports, documents or other instruments. If any such instrument is found not
to
conform to the requirements of this Agreement in a material manner the Trustee
or the Trust Administrator, as applicable, shall take such action as it deems
appropriate to have the instrument corrected, and if the instrument is not
corrected to the Trustee’s or the Trust Administrator’s satisfaction, the
Trustee or the Trust Administrator, as applicable, will provide notice thereof
to the Certificateholders and the NIMS Insurer.
No
provision of this Agreement shall be construed to relieve the Trustee or the
Trust Administrator from liability for its own negligent action, its own
negligent failure to act or its own misconduct; provided, however,
that:
(i) Prior
to
the occurrence of a Servicer Event of Default or Master Servicer Event of
Termination, and after the curing of all such Servicer Events of Default or
Master Servicer Events of Termination which may have occurred, the duties and
obligations of the Trustee and the Trust Administrator shall be determined
solely by the express provisions of this Agreement, the Trustee and the Trust
Administrator shall not be liable except for the performance of such duties
and
obligations as are specifically set forth in this Agreement, no implied
covenants or obligations shall be read into this Agreement against the Trustee
or the Trust Administrator and, in the absence of bad faith on the part of
the
Trustee or the Trust Administrator, as applicable, the Trustee or the Trust
Administrator, as applicable, may conclusively rely, as to the truth of the
statements and the correctness of the opinions expressed therein, upon any
certificates or opinions furnished to the Trustee or the Trust Administrator,
as
the case may be, and conforming to the requirements of this
Agreement;
(ii) Neither
the Trustee nor the Trust Administrator shall be personally liable for an error
of judgment made in good faith by a Responsible Officer of the Trustee or the
Trust Administrator, as applicable, unless it shall be proved that the Trustee
or the Trust Administrator, as the case may be, was negligent in ascertaining
the pertinent facts;
(iii) Neither
the Trustee nor the Trust Administrator shall be personally liable with respect
to any action taken, suffered or omitted to be taken by it in good faith in
accordance with the direction of the NIMS Insurer or the Holders of Certificates
evidencing not less than 51% of the Voting Rights relating to the time, method
and place of conducting any proceeding for any remedy available to the Trustee
or the Trust Administrator, as applicable, or exercising or omitting to exercise
any trust or power conferred upon the Trustee, under this Agreement;
and
(iv) The
Trustee shall not be required to take notice or be deemed to have notice or
knowledge of any default, Servicer Event of Default or Master Servicer Event
of
Termination unless a Responsible Officer of the Trustee at the Corporate Trust
Office obtains actual knowledge of such failure or the Trustee receives written
notice of such failure from the Depositor, the Servicers or the Holders of
Certificates evidencing not less than 51% of the Voting Rights.
Neither
the Trustee nor the Trust Administrator shall be required to expend or risk
its
own funds or otherwise incur financial liability in the performance of any
of
its duties hereunder, or in the exercise of any of its rights or powers, if
there is reasonable ground for believing that the repayment of such funds or
adequate indemnity against such risk or liability is not reasonably assured
to
it, and none of the provisions contained in this Agreement shall in any event
require the Trustee to perform, or be responsible for the manner of performance
of, any of the obligations of the Master Servicer under this Agreement, except
during such time, if any, as the Trustee shall be the successor to, and be
vested with the rights, duties, powers and privileges of, the Master Servicer
in
accordance with the terms of this Agreement.
| SECTION 8.02. |
Certain
Matters Affecting the Trustee and the Trust
Administrator
|
(a) Except
as
otherwise provided in Section 8.01:
(i) Either
the Trustee or the Trust Administrator may request and rely upon, and shall
be
protected in acting or refraining from acting upon, any resolution, Officers’
Certificate, certificate of auditors or any other certificate, statement,
instrument, opinion, report, notice, request, consent, order, appraisal, bond
or
other paper or document reasonably believed by it to be genuine and to have
been
signed or presented by the proper party or parties, and the manner of obtaining
consents and of evidencing the authorization of the execution thereof by
Certificateholders shall be subject to such reasonable regulations as the
Trustee or the Trust Administrator may prescribe;
(ii) Either
the Trustee or the Trust Administrator may consult with counsel and any Opinion
of Counsel shall be full and complete authorization and protection in respect
of
any action taken or suffered or omitted by it hereunder in good faith and in
accordance with such Opinion of Counsel;
(iii) Neither
the Trustee nor the Trust Administrator shall be under any obligation to
exercise any of the rights or powers vested in it by this Agreement, or to
institute, conduct or defend any litigation hereunder or in relation hereto,
at
the request, order or direction of any of the Certificateholders or the NIMS
Insurer, pursuant to the provisions of this Agreement, unless such
Certificateholders or the NIMS Insurer, as applicable, shall have offered to
the
Trustee or the Trust Administrator, as applicable, reasonable security or
indemnity against the costs, expenses and liabilities which may be incurred
therein or thereby; the right of the Trustee or the Trust Administrator to
perform any discretionary act enumerated in this Agreement shall not be
construed as a duty, and neither the Trustee nor the Trust Administrator shall
be answerable for other than its negligence or willful misconduct in the
performance of any such act; nothing contained herein shall, however, relieve
the Trustee of the obligation, upon the occurrence of a Master Servicer Event
of
Termination of which the Trustee has received written notice or of which a
Responsible Officer of the Trustee has actual knowledge (which has not been
cured or waived), to exercise such of the rights and powers vested in it by
this
Agreement, and to use the same degree of care and skill in their exercise,
as a
prudent person would exercise under the circumstances in the conduct of his
own
affairs;
(iv) Prior
to
the occurrence of a Servicer Event of Default or Master Servicer Event of
Termination hereunder and after the curing or waiver of all Servicer Events
of
Default or Master Servicer Events of Termination which may have occurred,
neither the Trustee nor the Trust Administrator shall be personally liable
for
any action taken, suffered or omitted by it in good faith and believed by it
to
be authorized or within the discretion or rights or powers conferred upon it
by
this Agreement;
(v) Prior
to
the occurrence of a Servicer Event of Default or Master Servicer Event of
Termination and after the curing of all Servicer Events of Default or Master
Servicer Events of Termination which may have occurred, neither the Trustee
nor
the Trust Administrator shall be bound to make any investigation into the facts
or matters stated in any resolution, certificate, statement, instrument,
opinion, report, notice, request, consent, order, approval, bond or other paper
or documents, unless requested in writing to do so by the NIMS Insurer or the
Holders of Certificates entitled to at least 25% of the Voting Rights; provided,
however, that if the payment within a reasonable time to the Trustee or the
Trust Administrator, as applicable, of the costs, expenses or liabilities likely
to be incurred by it in the making of such investigation is, in the opinion
of
the Trustee or the Trust Administrator, as applicable, not reasonably assured
to
the Trustee or the Trust Administrator, as applicable, by the security afforded
to it by the terms of this Agreement, the Trustee or the Trust Administrator,
as
applicable, may require reasonable indemnity against such cost, expense or
liability as a condition to such proceeding; and
(vi) Either
the Trustee or the Trust Administrator may execute any of the trusts or powers
hereunder or perform any duties hereunder either directly or by or through
agents or attorneys, custodians or nominees.
(b) All
rights of action under this Agreement or under any of the Certificates,
enforceable by the Trustee, may be enforced by it without the possession of
any
of the Certificates, or the production thereof at the trial or other proceeding
relating thereto, and any such suit, action or proceeding instituted by the
Trustee shall be brought in its name for the benefit of all the Holders of
such
Certificates, subject to the provisions of this Agreement.
| SECTION 8.03. |
Neither
Trustee nor Trust Administrator Liable for Certificates or Mortgage
Loans.
|
The
recitals contained herein and in the Certificates (other than the signature
of
the Trust Administrator, the authentication of the Trust Administrator on the
Certificates, the acknowledgments of the Trustee contained in Article II and
the
representations and warranties of the Trustee and the Trust Administrator in
Section 8.13) shall be taken as the statements of the Depositor and neither
the Trustee nor the Trust Administrator assumes any responsibility for their
correctness. Neither the Trustee nor the Trust Administrator makes any
representations or warranties as to the validity or sufficiency of this
Agreement (other than as specifically set forth in Section 8.12) or of the
Certificates (other than the signature of the Trust Administrator and
authentication of the Trust Administrator on the Certificates) or of any
Mortgage Loan or related document. Neither the Trustee nor the Trust
Administrator shall be accountable for the use or application by the Depositor
of any of the Certificates or of the proceeds of such Certificates, or for
the
use or application of any funds paid to the Depositor, the Servicers or the
Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn
from the Collection Account by the Servicers or the Distribution Account by
the
Master Servicer.
| SECTION 8.04. |
Trustee
and Trust Administrator May Own
Certificates.
|
Each
of
the Trustee and the Trust Administrator in its individual capacity or any other
capacity may become the owner or pledgee of Certificates with the same rights
it
would have if it were not Trustee or Trust Administrator, as applicable. Each
of
the Trustee and the Trust Administrator in its individual capacity or any other
capacity may transact any banking and trust business with the Originator, the
Servicers, the Depositor or their Affiliates.
| SECTION 8.05. |
Trust
Administrator’s and Trustee’s Fees and
Expenses.
|
On
each
Distribution Date, the Trust Administrator shall be entitled to compensation
as
separately agreed with the Master Servicer. The annual fees of the Trustee
hereunder and of the Custodian shall be paid in accordance with side letter
agreements with the Trust Administrator and at the sole expense of the Trust
Administrator. The Trustee, the Trust Administrator or any director, officer,
employee or agent of any of them, shall be indemnified by the Trust Fund and
held harmless against any loss, liability or expense (not including expenses
and
disbursements incurred or made by the Trustee or the Trust Administrator,
including the compensation and the expenses and disbursements of its agents
and
counsel, in the ordinary course of the Trustee’s or the Trust Administrator’s
performance in accordance with the provisions of this Agreement) incurred by
the
Trustee or by the Trust Administrator arising out of or in connection with
the
acceptance or administration of the obligations and duties of the Trustee or
the
Trust Administrator under this Agreement, other than any loss, liability or
expense (i) resulting from a breach of a Servicer’s or the Master Servicer’s
obligations and duties under this Agreement for which the Trustee or the Trust
Administrator, as applicable, is indemnified under this Agreement or (ii) any
loss, liability or expense incurred by reason of willful misfeasance, bad faith
or negligence of the Trustee or of the Trust Administrator, as applicable,
in
the performance of its duties hereunder or by reason of the Trustee’s or the
Trust Administrator’s, as applicable, reckless disregard of obligations and
duties hereunder or as a result of a breach of the Trustee’s or the Trust
Administrator’s, as applicable, obligations under Article X hereof. Any amounts
payable to the Trustee, the Trust Administrator or any director, officer,
employee or agent of the Trustee or the Trust Administrator, in respect of
the
indemnification provided by this Section 8.05, or pursuant to any other
right of reimbursement from the Trust Fund that the Trustee, the Trust
Administrator or any director, officer, employee or agent of the Trustee or
the
Trust Administrator, may have hereunder in its capacity as such, may be
withdrawn by the Trust Administrator for payment to the applicable indemnified
Person from the Distribution Account at any time. The foregoing indemnity shall
survive the resignation or removal of the Trustee or the Trust
Administrator.
| SECTION 8.06. |
Eligibility
Requirements for Trustee and Trust
Administrator.
|
Each
of
the Trustee and the Trust Administrator hereunder shall at all times be an
entity duly organized and validly existing under the laws of the United States
of America or any state thereof, authorized under such laws to exercise
corporate trust powers, having a combined capital and surplus of at least
$50,000,000 and subject to supervision or examination by federal or state
authority. If such entity publishes reports of condition at least annually,
pursuant to law or to the requirements of the aforesaid supervising or examining
authority, then for the purposes of this Section 8.06, the combined capital
and surplus of such entity shall be deemed to be its combined capital and
surplus as set forth in its most recent report of condition so published. The
principal offices of each of the Trustee and the Trust Administrator (other
than
the initial Trustee and initial Trust Administrator) shall be in a state with
respect to which an Opinion of Counsel has been delivered to such Trustee or
Trust Administrator, as applicable, at the time such Trustee or Trust
Administrator, as applicable, is appointed Trustee or Trust Administrator,
as
applicable, to the effect that the Trust will not be a taxable entity under
the
laws of such state. In case at any time the Trustee or the Trust Administrator
shall cease to be eligible in accordance with the provisions of this
Section 8.06, the Trustee or the Trust Administrator, as applicable, shall
resign immediately in the manner and with the effect specified in
Section 8.07.
| SECTION 8.07. |
Resignation
and Removal of the Trustee or Trust
Administrator.
|
The
Trustee or the Trust Administrator may at any time resign and be discharged
from
the trusts hereby created by giving written notice thereof to the Depositor,
the
NIMS Insurer, the Servicers, the Master Servicer, each Rating Agency and, if
the
Trustee is resigning, to the Trust Administrator, or, if the Trust Administrator
is resigning, to the Trustee. Upon receiving such notice of resignation, the
Depositor shall promptly appoint a successor Trustee or Trust Administrator,
(which may be the same Person in the event both the Trustee and the Trust
Administrator resign or are removed) acceptable to the NIMS Insurer by written
instrument, in duplicate, one copy of which instrument shall be delivered to
the
resigning Trustee or Trust Administrator, as applicable, and one copy to the
successor Trustee or Trust Administrator. If no successor Trustee or Trust
Administrator, as applicable, shall have been so appointed and having accepted
appointment within 30 days after the giving of such notice of resignation,
the
resigning Trustee or Trust Administrator may petition any court of competent
jurisdiction for the appointment of a successor Trustee or Trust Administrator,
as applicable.
If
the
Trust Administrator and the Master Servicer are the same entity, then at any
time the Trust Administrator resigns or is removed as Trust Administrator,
the
Master Servicer shall also be removed hereunder.
If
at any
time the Trustee or the Trust Administrator shall cease to be eligible in
accordance with the provisions of Section 8.06 and shall fail to resign
after written request therefor by the Depositor or the NIMS Insurer (or in
the
case of the Trust Administrator, the Trustee), or if at any time the Trustee
or
the Trust Administrator shall be legally unable to act, or shall be adjudged
bankrupt or insolvent, or a receiver of the Trustee or the Trust Administrator
or of its property shall be appointed, or any public officer shall take charge
or control of the Trustee or the Trust Administrator or of its property or
affairs for the purpose of rehabilitation, conservation or liquidation, then
the
Depositor, the NIMS Insurer, the Servicers or the Master Servicer may remove
the
Trustee or the Trust Administrator, as applicable. If the Depositor, a Servicer
or the Master Servicer removes the Trustee or the Trust Administrator under
the
authority of the immediately preceding sentence, the Depositor shall promptly
appoint a successor Trustee or Trust Administrator, as applicable, acceptable
to
the NIMS Insurer, by written instrument, in duplicate, one copy of which
instrument shall be delivered to the Trustee or Trust Administrator so removed
and one copy to the successor Trustee or Trust Administrator.
The
Holders of Certificates entitled to at least 51% of the Voting Rights (or the
NIMS Insurer upon failure of the Trustee to perform its obligations hereunder)
may at any time remove the Trustee or the Trust Administrator and appoint a
successor trustee acceptable to the NIMS Insurer, by written instrument or
instruments, in triplicate, signed by such Holders or their attorneys-in-fact
duly authorized, one complete set of which instruments shall be delivered to
the
Depositor, one complete set to the Trustee or Trust Administrator so removed
and
one complete set to the successor so appointed. A copy of such instrument shall
be delivered to the Certificateholders, the Servicers and the Master Servicer
by
the Depositor.
The
Trust
Administrator (i) may not be the Originator, the Servicer, the Depositor or
an
affiliate of the Depositor unless the Trust Administrator is an institutional
trust department, (ii) must be authorized to exercise corporate trust powers
under the laws of its jurisdiction of organization, and (iii) must be rated
at
least “A/F1” by Fitch Ratings Inc. (“Fitch”), if Fitch is a Rating Agency, or
the equivalent rating by S&P or ▇▇▇▇▇’▇, or such other rating as is
acceptable to Fitch as evidenced by a Rating Agency confirmation. If no
successor Trust Administrator shall have been appointed and shall have accepted
appointment within 60 days after the Trust Administrator ceases to be the Trust
Administrator pursuant to this Section 8.07, then the Trustee shall perform
the duties of the Trust Administrator pursuant to this Agreement. The Trustee
shall notify the Rating Agencies of any change of Trust
Administrator.
Any
resignation or removal of the Trustee or Trust Administrator and appointment
of
a successor Trustee or Trust Administrator pursuant to any of the provisions
of
this Section shall not become effective until acceptance of appointment by
the successor trustee as provided in Section 8.08.
Notwithstanding
anything to the contrary contained herein, the Master Servicer and the Trust
Administrator shall at all times be the same Person.
| SECTION 8.08. |
Successor
Trustee or Trust Administrator.
|
Any
successor Trustee or Trust Administrator appointed as provided in
Section 8.07 shall execute, acknowledge and deliver to the Depositor, the
NIMS Insurer, the Servicers, the Master Servicer and to its predecessor Trustee
or Trust Administrator an instrument accepting such appointment hereunder,
and
thereupon the resignation or removal of the predecessor Trustee or Trust
Administrator shall become effective, and such successor Trustee or Trust
Administrator, without any further act, deed or conveyance, shall become fully
vested with all the rights, powers, duties and obligations of its predecessor
hereunder, with like effect as if originally named as Trustee or Trust
Administrator. The Depositor and the predecessor Trustee or Trust Administrator
shall execute and deliver such instruments and do such other things as may
reasonably be required for fully and certainly vesting and confirming in the
successor Trustee or Trust Administrator all such rights, powers, duties and
obligations.
No
successor Trustee or Trust Administrator shall accept appointment as provided
in
this Section 8.08 unless at the time of such acceptance such successor
Trustee or Trust Administrator shall be eligible under the provisions of
Section 8.06 and the appointment of such successor Trustee or Trust
Administrator shall not result in a downgrading of the Regular Certificates
by
any Rating Agency, as evidenced by a letter from each Rating
Agency.
Upon
acceptance of appointment by a successor Trustee or Trust Administrator as
provided in this Section 8.08, the successor Trustee or Trust Administrator
shall mail notice of the appointment of a successor Trustee or Trust
Administrator hereunder to all Holders of Certificates at their addresses as
shown in the Certificate Register and to each Rating Agency.
| SECTION 8.09. |
Merger
or Consolidation of Trustee or Trust
Administrator.
|
Any
entity into which the Trustee or the Trust Administrator may be merged or
converted or with which it may be consolidated, or any entity resulting from
any
merger, conversion or consolidation to which the Trustee or the Trust
Administrator shall be a party, or any entity succeeding to the business of
the
Trustee or Trust Administrator, shall be the successor of the Trustee or the
Trust Administrator hereunder, as applicable, provided such entity shall be
eligible under the provisions of Section 8.06 and 8.08, without the
execution or filing of any paper or any further act on the part of any of the
parties hereto, anything herein to the contrary notwithstanding.
| SECTION 8.10. |
Appointment
of Co-Trustee or Separate Trustee.
|
Notwithstanding
any other provisions hereof, at any time, for the purpose of meeting any legal
requirements of any jurisdiction in which any part of REMIC I or property
securing the same may at the time be located, the Trustee shall have the power
and shall execute and deliver all instruments to appoint one or more Persons
approved by the Trustee and the NIMS Insurer to act as co-trustee or
co-trustees, jointly with the Trustee, or separate trustee or separate trustees,
of all or any part of REMIC I, and to vest in such Person or Persons, in such
capacity, such title to REMIC I, or any part thereof, and, subject to the other
provisions of this Section 8.10, such powers, duties, obligations, rights
and trusts as the Trustee may consider necessary or desirable. Any such
co-trustee or separate trustee shall be subject to the written approval of
the
NIMS Insurer. If the NIMS Insurer shall not have joined in such appointment
within 15 days after the receipt by it of a request to do so, the Trustee alone
shall have the power to make such appointment. No co-trustee or separate trustee
hereunder shall be required to meet the terms of eligibility as a successor
trustee under Section 8.06 hereunder and no notice to Holders of
Certificates of the appointment of co-trustee(s) or separate trustee(s) shall
be
required under Section 8.08 hereof.
In
the
case of any appointment of a co-trustee or separate trustee pursuant to this
Section 8.10 all rights, powers, duties and obligations conferred or
imposed upon the Trustee shall be conferred or imposed upon and exercised or
performed by the Trustee and such separate trustee or co-trustee jointly, except
to the extent that under any law of any jurisdiction in which any particular
act
or acts are to be performed by the Trustee (whether as Trustee hereunder or
as
successor to a defaulting Master Servicer hereunder), the Trustee shall be
incompetent or unqualified to perform such act or acts, in which event such
rights, powers, duties and obligations (including the holding of title to REMIC
I or any portion thereof in any such jurisdiction) shall be exercised and
performed by such separate trustee or co-trustee at the direction of the
Trustee.
Any
notice, request or other writing given to the Trustee shall be deemed to have
been given to each of the then separate trustees and co-trustees, as effectively
as if given to each of them. Every instrument appointing any separate trustee
or
co-trustee shall refer to this Agreement and the conditions of this Article
VIII. Each separate trustee and co-trustee, upon its acceptance of the trust
conferred, shall be vested with the estates or property specified in its
instrument of appointment, either jointly with the Trustee, or separately,
as
may be provided therein, subject to all the provisions of this Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording protection to, the Trustee. Every
such instrument shall be filed with the Trustee and a copy thereof given to
the
NIMS Insurer.
Any
separate trustee or co-trustee may, at any time, constitute the Trustee, its
agent or attorney-in-fact, with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement
on
its behalf and in its name. If any separate trustee or co-trustee shall die,
become incapable of acting, resign or be removed, all of its estates,
properties, rights, remedies and trusts shall vest in and be exercised by the
Trustee, to the extent permitted by law, without the appointment of a new or
successor trustee or co-trustee.
| SECTION 8.11. |
Appointment
of Office or Agency; Appointment of
Custodian.
|
The
Trust
Administrator will appoint an office or agency in the City of Minneapolis,
Minnesota where the Certificates may be surrendered for registration of transfer
or exchange, and presented for final distribution, and where notices and demands
to or upon the Trust Administrator in respect of the Certificates and this
Agreement may be served.
The
Trustee may, with the consent of the Depositor, the Servicers, the Master
Servicer and the NIMS Insurer, appoint a Custodian to hold all or a portion
of
the Mortgage Files as agent for the Trustee, by entering into a Custodial
Agreement. The appointment of the Custodian may at any time be terminated and
a
substitute Custodian appointed therefor upon the reasonable request of a
Servicer, the Master Servicer or the NIMS Insurer to the Trustee, the consent
to
which shall not be unreasonably withheld. ▇▇▇▇▇ Fargo is hereby appointed as
Custodian, and the Depositor, the Servicers and the Master Servicer each consent
to such appointment. The Custodian shall be a depository institution or trust
company subject to supervision by federal or state authority, shall have
combined capital and surplus of at least $10,000,000 and shall be qualified
to
do business in the jurisdiction in which it holds any Mortgage File.
| SECTION 8.12. |
Representations
and Warranties.
|
Each
of
the Trustee, the Custodian and the Trust Administrator hereby represents and
warrants to the Servicers, the Master Servicer and the Depositor, as of the
Closing Date, that:
(i) It
is a
national banking association duly organized, validly existing and in good
standing under the laws of the United States of America.
(ii) The
execution and delivery of this Agreement by it, and the performance and
compliance with the terms of this Agreement by it, will not violate its articles
of association or bylaws or constitute a default (or an event which, with notice
or lapse of time, or both, would constitute a default) under, or result in
the
breach of, any material agreement or other instrument to which it is a party
or
which is applicable to it or any of its assets.
(iii) It
has
the full power and authority to enter into and consummate all transactions
contemplated by this Agreement, has duly authorized the execution, delivery
and
performance of this Agreement, and has duly executed and delivered this
Agreement.
(iv) This
Agreement, assuming due authorization, execution and delivery by the other
parties hereto, constitutes a valid, legal and binding obligation of it,
enforceable against it in accordance with the terms hereof, subject to (A)
applicable bankruptcy, insolvency, receivership, reorganization, moratorium
and
other laws affecting the enforcement of creditors’ rights generally, and (B)
general principles of equity, regardless of whether such enforcement is
considered in a proceeding in equity or at law.
(v) It
is not
in violation of, and its execution and delivery of this Agreement and its
performance and compliance with the terms of this Agreement will not constitute
a violation of, any law, any order or decree of any court or arbiter, or any
order, regulation or demand of any federal, state or local governmental or
regulatory authority, which violation, in its good faith and reasonable
judgment, is likely to affect materially and adversely either the ability of
it
to perform its obligations under this Agreement or its financial
condition.
(vi) No
litigation is pending or, to the best of its knowledge, threatened against
it,
which would prohibit it from entering into this Agreement or, in its good faith
reasonable judgment, is likely to materially and adversely affect either the
ability of it to perform its obligations under this Agreement or its financial
condition.
ARTICLE
IX
TERMINATION
| SECTION 9.01. |
Termination
Upon Repurchase or Liquidation of All Mortgage
Loans.
|
(a) Subject
to Section 9.02, the respective obligations and responsibilities under this
Agreement of the Depositor, the Servicers, the Master Servicer, the Trust
Administrator and the Trustee (other than the indemnification obligations of
the
Servicers and the Master Servicer pursuant to Section 6.03 and of the
Servicers to make remittances to the Trust Administrator and the Trust
Administrator to make payments in respect of the REMIC I Regular Interests
and
the Classes of Certificates as hereinafter set forth) shall terminate upon
payment to the Certificateholders and the deposit of all amounts held by or
on
behalf of the Trust Administrator and required hereunder to be so paid or
deposited on the Distribution Date coinciding with or following the earlier
to
occur of (i) the purchase by the Terminator (as defined below) of all Mortgage
Loans and each REO Property remaining in REMIC I and (ii) the final payment
or
other liquidation (or any advance with respect thereto) of the last Mortgage
Loan or REO Property remaining in REMIC I; provided, however, that in no event
shall the trust created hereby continue beyond the earlier of (i) the expiration
of 21 years from the death of the last survivor of the descendants of ▇▇▇▇▇▇
▇.
▇▇▇▇▇▇▇, the late ambassador of the United States to the Court of St. ▇▇▇▇▇,
living on the date hereof and (ii) the Latest Possible Maturity Date as defined
in the Preliminary Statement. Subject to Section 3.10 hereof, the purchase
by the Terminator of all Mortgage Loans and each REO Property remaining in
REMIC
I shall be at a price (the “Termination Price”) equal to the greater of (i) the
Stated Principal Balance of the Mortgage Loans and the appraised value of any
REO Properties, such appraisal to be conducted by an Independent appraiser
mutually agreed upon by the Terminator and the Trust Administrator in their
reasonable discretion and (ii) the fair market value of all of the assets of
REMIC I (as determined by the Terminator and the Trust Administrator, as of
the
close of business on the third Business Day next preceding the date upon which
notice of any such termination is furnished to Certificateholders pursuant
to
clause (c) of this Section 9.01) in each case, plus accrued and unpaid
interest thereon at the weighted average of the Mortgage Rates through the
end
of the Due Period preceding the final Distribution Date plus unreimbursed
Advances, Servicing Advances, any unpaid Servicing Fees and Administration
Fees
allocable to such Mortgage Loans and REO Properties and any other amounts owed
to the Servicers, the Master Servicer, the Trust Administrator or the Trustee
under this Agreement, any accrued and unpaid Net WAC Rate Carryover Amount
and
any Swap Termination Payment payable to the Swap Provider then remaining unpaid
or which is due to the exercise of such option; provided, however, such option
may only be exercised if (i) the Termination Price is sufficient to pay all
interest accrued on, as well as amounts necessary to retire the principal
balance of, each class of notes issued pursuant to the Indenture and any
remaining amounts owed to the trustee under the Indenture and the NIMS Insurer
on the date such notes are retired and (ii) the fair market value of the
Mortgage Loans and REO Properties determined as described above is at least
equal to the Stated Principal Balance of the Mortgage Loans (after giving effect
to scheduled payments of principal due during the related Due Period, to the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period) and the appraised value of the REO
Properties.
(b) The
majority holder of the Class CE Certificates (so long as such Holder is not
the
Seller or an affiliate of the Seller), or if such majority holder fails to
exercise such right, the Master Servicer, shall have the right (the party
exercising such right, the “Terminator”), to purchase all of the Mortgage Loans
and each REO Property remaining in REMIC I pursuant to clause (i) of the
preceding paragraph no later than the Determination Date in the month
immediately preceding the Distribution Date on which the Certificates will
be
retired; provided, however, that the Terminator may elect to purchase all of
the
Mortgage Loans and each REO Property remaining in REMIC I pursuant to clause
(i)
above only if the aggregate Stated Principal Balance of the Mortgage Loans
and
each REO Property remaining in the Trust Fund at the time of such election
is
equal to or less than 10% of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date. In addition, to the extent that the
Terminator has not exercised such option, the JPMorgan or if JPMorgan fails
to
exercise such right, the NIMS Insurer, may purchase all of the Mortgage Loans
and any REO Properties and retire the Certificates when the aggregate Stated
Principal Balance of the Mortgage Loans and any REO Properties is equal to
or
less than 5% of the aggregate Stated Principal Balance of the Mortgage Loans
as
of the Cut-off Date. By acceptance of the Residual Certificates, the Holder
of
the Residual Certificates agrees for so long as any notes insured by the NIMS
Insurer and secured by all or a portion of the Class CE, Class P, Class R or
Class R-X Certificates are outstanding, in connection with any termination
hereunder, to assign and transfer any amounts in excess of par, and to the
extent received in respect of such termination, to pay any such amounts to
the
Holders of the Class CE Certificates.
(c) Notice
of
the liquidation of the Certificates shall be given promptly by the Trust
Administrator by letter to Certificateholders and the NIMS Insurer mailed (a)
in
the event such notice is given in connection with the purchase of the Mortgage
Loans and each REO Property by the Terminator, not earlier than the
10th
day and
not later than the 20th
day of
the month next preceding the month of the final distribution on the Certificates
or (b) otherwise during the month of such final distribution on or before the
Determination Date in such month, in each case specifying (i) the Distribution
Date upon which the Trust Fund will terminate and the final payment in respect
of the REMIC I Regular Interests and the Certificates will be made upon
presentation and surrender of the related Certificates at the office of the
Trust Administrator therein designated, (ii) the amount of any such final
payment, (iii) that no interest shall accrue in respect of the REMIC I Regular
Interests or the Certificates from and after the Accrual Period relating to
the
final Distribution Date therefor and (iv) that the Record Date otherwise
applicable to such Distribution Date is not applicable, payments being made
only
upon presentation and surrender of the Certificates at the office of the Trust
Administrator. In the event such notice is given in connection with the purchase
of all of the Mortgage Loans and each REO Property remaining in REMIC I by
the
Terminator, the Terminator shall deliver to the Trust Administrator for deposit
in the Distribution Account not later than the last Business Day of the month
next preceding the month of the final distribution on the Certificates an amount
in immediately available funds equal to the Termination Price. The Trust
Administrator shall remit to the Servicers from such funds deposited in the
Distribution Account (i) any amounts which the Servicers would be permitted
to
withdraw and retain from the Collection Account pursuant to Section 3.11 and
(ii) any other amounts otherwise payable by the Trust Administrator to the
Servicers from amounts on deposit in the Distribution Account pursuant to the
terms of this Agreement, in each case prior to making any final distributions
pursuant to Section 9.01(d) below. Upon certification to the Trustee and the
Trust Administrator by the Terminator of the making of such final deposit,
the
Trust Administrator shall promptly release to the Terminator the Mortgage Files
for the remaining Mortgage Loans, and the Trustee shall execute all assignments,
endorsements and other instruments necessary to effectuate such
transfer.
(d) Upon
presentation of the Certificates by the Certificateholders on the final
Distribution Date, the Trust Administrator shall distribute to each
Certificateholder so presenting and surrendering its Certificates the amount
otherwise distributable on such Distribution Date in accordance with
Section 4.01 in respect of the Certificates so presented and surrendered.
Any funds not distributed to any Holder or Holders of Certificates being retired
on such Distribution Date because of the failure of such Holder or Holders
to
tender their Certificates shall, on such date, be set aside and held in trust
and credited to the account of the appropriate non-tendering Holder or Holders.
If any Certificates as to which notice has been given pursuant to this
Section 9.01 shall not have been surrendered for cancellation within six
months after the time specified in such notice, the Trust Administrator shall
mail a second notice to the remaining non-tendering Certificateholders to
surrender their Certificates for cancellation in order to receive the final
distribution with respect thereto. If within one year after the second
notice all such Certificates shall not have been surrendered for cancellation,
the Trust Administrator shall, directly or through an agent, mail a final notice
to the remaining non-tendering Certificateholders concerning surrender of their
Certificates. The costs and expenses of maintaining the funds in trust and
of
contacting such Certificateholders shall be paid out of the assets remaining
in
the Trust Fund. If within one year after the final notice any such Certificates
shall not have been surrendered for cancellation, the Trust Administrator shall
pay to UBS Securities LLC all such amounts, and all rights of non-tendering
Certificateholders in or to such amounts shall thereupon cease. No interest
shall accrue or be payable to any Certificateholder on any amount held in trust
by the Trust Administrator as a result of such Certificateholder’s failure to
surrender its Certificate(s) for final payment thereof in accordance with this
Section 9.01. Any such amounts held in trust by the Trust Administrator
shall be held in an Eligible Account and the Trust Administrator may direct
any
depository institution maintaining such account to invest the funds in one
or
more Permitted Investments. All income and gain realized from the investment
of
funds deposited in such accounts held in trust by the Trust Administrator shall
be for the benefit of the Trust Administrator; provided, however, that the
Trust
Administrator shall deposit in such account the amount of any loss of principal
incurred in respect of any such Permitted Investment made with funds in such
accounts immediately upon the realization of such loss.
Immediately
following the deposit of funds in trust hereunder in respect of the
Certificates, the Trust Fund shall terminate.
| SECTION 9.02. |
Additional
Termination Requirements.
|
(a) In
the
event that the Terminator purchases all the Mortgage Loans and each REO Property
or the final payment on or other liquidation of the last Mortgage Loan or REO
Property remaining in REMIC I pursuant to Section 9.01, the Trust Fund
shall be terminated in accordance with the following additional requirements,
unless the Trust Administrator and the Servicers have received an Opinion of
Counsel, which Opinion of Counsel shall be at the expense of the Terminator
(or
in connection with a termination resulting from the final payment on or other
liquidation of the last Mortgage Loan or REO Property remaining in REMIC I,
which Opinion of Counsel shall be at the expense of the person seeking
nonadherence to the following additional requirements but which in no event
shall be at the expense of the Trust Fund or, unless it is the person seeking
nonadherence to the following additional requirements, the Servicers or the
Trust Administrator), to the effect that the failure of REMIC I to comply with
such additional requirements of this Section 9.02 will not (A) result in
the imposition on the Trust Fund of taxes on “prohibited transactions,” as
described in Section 860F of the Code, or (B) cause REMIC I to fail to
qualify as a REMIC at any time that any Certificate is outstanding:
(i) The
Trust
Administrator shall specify the first day in the 90-day liquidation period
in a
statement attached to each Trust REMIC’s final Tax Return pursuant to Treasury
regulation Section 1.860F-1 and shall satisfy all requirements of a
qualified liquidation under Section 860F of the Code and any regulations
thereunder, as evidenced by an Opinion of Counsel obtained at the expense of
the
Terminator;
(ii) During
such 90-day liquidation period and, at or prior to the time of making of the
final payment on the Certificates, the Trustee shall sell all of the assets
of
REMIC I to the Terminator for cash; and
(iii) At
the
time of the making of the final payment on the Certificates, the Trust
Administrator shall distribute or credit, or cause to be distributed or
credited, to the Holders of the Residual Certificates all cash on hand in the
Trust Fund (other than cash retained to meet claims), and the Trust Fund shall
terminate at that time.
(b) At
the
expense of the Terminator, the Depositor shall prepare or cause to be prepared
the documentation required in connection with the adoption of a plan of
liquidation of each Trust REMIC pursuant to this Section 9.02.
(c) By
their
acceptance of Certificates, the Holders thereof hereby agree to authorize the
Trust Administrator to specify the 90-day liquidation period for each Trust
REMIC, which authorization shall be binding upon all successor
Certificateholders.
ARTICLE
X
REMIC
PROVISIONS
| SECTION 10.01. |
REMIC
Administration.
|
(a) The
Trustee shall elect to treat each Trust REMIC as a REMIC under the Code and,
if
necessary, under applicable state law. Each such election will be made by the
Trustee on Form 1066 or other appropriate federal tax or information return
or
any appropriate state return for the taxable year ending on the last day of
the
calendar year in which the Certificates are issued. For the purposes of the
REMIC election in respect of REMIC I, the REMIC I Regular Interests shall be
designated as the Regular Interests in REMIC I and the Class R-I Interest shall
be designated as the Residual Interest in REMIC I. For the purposes of the
REMIC
election in respect of REMIC II, the REMIC II Regular Interests shall be
designated as the Regular Interests in REMIC II and the Class R-II Interest
shall be designated as the Residual Interest in REMIC II. The Class A
Certificates, the Mezzanine Certificates, the Class CE Interest, the Class
P
Interest, the Class Swap-IO-1 Interest and the Class Swap-IO-2 Interest shall
be
designated as the Regular Interests in REMIC III and the Class R-III Interest
shall be designated as the Residual Interest in REMIC III. The CE Certificates
shall be designated as the Regular Interests in REMIC IV and the Class R-IV
Interest shall be designated as the Residual Interest in REMIC IV. The P
Certificates shall be designated as the Regular Interests in REMIC V and the
Class R-V Interest shall be designated as the Residual Interest in REMIC V.
REMIC VI Regular Interest SWAP-IO-1 shall be designated as the Regular Interests
in REMIC VI and the Class R-VI Interest shall be designated as the Residual
Interest in REMIC VI. REMIC VII Regular Interest SWAP-IO-2 shall be designated
as the Regular Interests in REMIC VII and the Class R-VII Interest shall be
designated as the Residual Interest in REMIC VII. The Trustee shall not permit
the creation of any “interests” in any Trust REMIC (within the meaning of
Section 860G of the Code) other than the interests identified above as Regular
Interests or Residual Interests in REMIC I, REMIC II, REMIC III, REMIC IV,
REMIC
V, REMIC VI or REMIC VII.
(b) The
Closing Date is hereby designated as the “Startup Day” of each Trust REMIC
within the meaning of Section 860G(a)(9) of the Code.
(c) The
Trust
Administrator shall be reimbursed for any and all expenses relating to any
tax
audit of the Trust Fund (including, but not limited to, any professional fees
or
any administrative or judicial proceedings with respect to any Trust REMIC
that
involve the Internal Revenue Service or state tax authorities), including the
expense of obtaining any tax related Opinion of Counsel except as specified
herein. The Trust Administrator, as agent for each Trust REMIC’s tax matters
person shall (i) act on behalf of the Trust Fund in relation to any tax matter
or controversy involving any Trust REMIC and (ii) represent the Trust Fund
in
any administrative or judicial proceeding relating to an examination or audit
by
any governmental taxing authority with respect thereto. The holder of the
largest Percentage Interest of the Residual Certificates shall be designated,
in
the manner provided under Treasury Regulations Section 1.860F-4(d) and Treasury
Regulations Section 301.6231(a)(7)-1, as the tax matters person of the related
REMIC created hereunder. By their acceptance thereof, the holder of the largest
Percentage Interest of the Residual Certificates hereby agrees to irrevocably
appoint the Trust Administrator or an Affiliate as its agent to perform all
of
the duties of the tax matters person for the Trust Fund.
(d) The
Trust
Administrator shall prepare, sign and file all of the Tax Returns (including
Form 8811, which must be filed within 30 days following the Closing Date) in
respect of each Trust REMIC. The expenses of preparing and filing such returns
shall be borne by the Trust Administrator without any right of reimbursement
therefor.
(e) The
Trust
Administrator shall perform on behalf of each Trust REMIC all reporting and
other tax compliance duties that are the responsibility of such REMIC under
the
Code, the REMIC Provisions or other compliance guidance issued by the Internal
Revenue Service or any state or local taxing authority. Among its other duties,
as required by the Code, the REMIC Provisions or other such compliance guidance,
the Trust Administrator shall provide (i) to any Transferor of a Residual
Certificate such information as is necessary for the application of any tax
relating to the transfer of a Residual Certificate to any Person who is not
a
Permitted Transferee, (ii) to the Certificateholders such information or reports
as are required by the Code or the REMIC Provisions including reports relating
to interest, original issue discount and market discount or premium (using
the
Prepayment Assumption as required) and (iii) to the Internal Revenue Service
the
name, title, address and telephone number of the person who will serve as the
representative of each Trust REMIC. The Depositor shall provide or cause to
be
provided to the Trust Administrator, within ten (10) days after the Closing
Date, all information or data that the Trust Administrator reasonably determines
to be relevant for tax purposes as to the valuations and issue prices of the
Certificates, including, without limitation, the price, yield, prepayment
assumption and projected cash flow of the Certificates.
(f) The
Trust
Administrator shall take such action and shall cause each Trust REMIC to take
such action as shall be necessary to create or maintain the status thereof
as a
REMIC under the REMIC Provisions. Neither the Trust Administrator nor the
Trustee shall take any action or cause the Trust Fund to take any action or
fail
to take (or fail to cause to be taken) any action that, under the REMIC
Provisions, if taken or not taken, as the case may be, could (i) endanger the
status of any Trust REMIC as a REMIC or (ii) result in the imposition of a
tax
upon the Trust Fund (including but not limited to the tax on prohibited
transactions as defined in Section 860F(a)(2) of the Code and the tax on
contributions to a REMIC set forth in Section 860G(d) of the Code) (either
such event, an “Adverse REMIC Event”) unless the Trustee, the Trust
Administrator and the NIMS Insurer have received an Opinion of Counsel,
addressed to the Trustee and the Trust Administrator (at the expense of the
party seeking to take such action but in no event at the expense of the Trustee
or the Trust Administrator) to the effect that the contemplated action will
not,
with respect to any Trust REMIC, endanger such status or result in the
imposition of such a tax, nor shall the Servicers take or fail to take any
action (whether or not authorized hereunder) as to which the Trustee, the Trust
Administrator or the NIMS Insurer has advised it in writing that it has received
an Opinion of Counsel to the effect that an Adverse REMIC Event could occur
with
respect to such action; provided that the Servicers may conclusively rely on
such Opinion of Counsel and shall incur no liability for its action or failure
to act in accordance with such Opinion of Counsel. In addition, prior to taking
any action with respect to any Trust REMIC or the respective assets of each,
or
causing any Trust REMIC to take any action, which is not contemplated under
the
terms of this Agreement, the Servicers will consult with the Trustee, the Trust
Administrator, the Master Servicer, the NIMS Insurer or their respective
designees, in writing, with respect to whether such action could cause an
Adverse REMIC Event to occur with respect to any Trust REMIC and no Servicer
shall take any such action or cause any Trust REMIC to take any such action
as
to which the Trustee, the Trust Administrator, the Master Servicer or the NIMS
Insurer has advised it in writing that an Adverse REMIC Event could occur;
provided that the related Servicer may conclusively rely on such writing and
shall incur no liability for its action or failure to act in accordance with
such writing. The Trustee, the Trust Administrator, the Master Servicer or
the
NIMS Insurer may consult with counsel to make such written advice, and the
cost
of same shall be borne by the party seeking to take the action not permitted
by
this Agreement, but in no event shall such cost be an expense of the Trustee,
the Trust Administrator or the Master Servicer. At all times as may be required
by the Code, the Trust Administrator will ensure that substantially all of
the
assets of REMIC I will consist of “qualified mortgages” as defined in
Section 860G(a)(3) of the Code and “permitted investments” as defined in
Section 860G(a)(5) of the Code, to the extent such obligations are within
the Trust Administrator’s control and not otherwise inconsistent with the terms
of this Agreement.
(g) In
the
event that any tax is imposed on “prohibited transactions” of any REMIC created
hereunder as defined in Section 860F(a)(2) of the Code, on the “net income
from foreclosure property” of such REMIC as defined in Section 860G(c) of
the Code, on any contributions to any such REMIC after the Startup Day therefor
pursuant to Section 860G(d) of the Code, or any other tax is imposed by the
Code or any applicable provisions of state or local tax laws, such tax shall
be
charged (i) to the Trust Administrator pursuant to Section 10.03 hereof, if
such tax arises out of or results from a breach by the Trust Administrator
of
any of its obligations under this Article X, (ii) to the Trustee pursuant to
Section 10.03 hereof, if such tax arises out of or results from a breach by
the Trustee of any of its obligations under this Article X, (iii) to the Master
Servicer pursuant to Section 10.03 hereof, if such tax arises out of or
results from a breach by the Master Servicer of any of its obligations under
Article III or this Article X, (iv) to a Servicer pursuant to Section 10.03
hereof, if such tax arises out of or results from a breach by the Master
Servicer of any of its obligations under Article III or this Article X or (v)
against amounts on deposit in the Distribution Account and shall be paid by
withdrawal therefrom.
(h) [Reserved].
(i) The
Trust
Administrator shall, for federal income tax purposes, maintain books and records
with respect to each Trust REMIC on a calendar year and on an accrual
basis.
(j) Following
the Startup Day, none of the Servicers, the Master Servicer, the Trust
Administrator or the Trustee shall accept any contributions of assets to any
Trust REMIC other than in connection with any Qualified Substitute Mortgage
Loan
delivered in accordance with Section 2.03 unless it shall have received an
Opinion of Counsel to the effect that the inclusion of such assets in the Trust
Fund will not cause the related REMIC to fail to qualify as a REMIC at any
time
that any Certificates are outstanding or subject such REMIC to any tax under
the
REMIC Provisions or other applicable provisions of federal, state and local
law
or ordinances.
(k) None
of
the Trustee, the Trust Administrator, the Servicers or the Master Servicer
shall
enter into any arrangement by which any Trust REMIC will receive a fee or other
compensation for services nor permit either REMIC to receive any income from
assets other than “qualified mortgages” as defined in Section 860G(a)(3) of
the Code or “permitted investments” as defined in Section 860G(a)(5) of the
Code.
| SECTION 10.02. |
Prohibited
Transactions and Activities.
|
None
of
the Depositor, the Servicers, the Master Servicer, the Trust Administrator
or
the Trustee shall sell, dispose of or substitute for any of the Mortgage Loans
(except in connection with (i) the foreclosure of a Mortgage Loan, including
but
not limited to, the acquisition or sale of a Mortgaged Property acquired by
deed
in lieu of foreclosure, (ii) the bankruptcy of REMIC I, (iii) the termination
of
REMIC I pursuant to Article IX of this Agreement, (iv) a substitution pursuant
to Article II of this Agreement or (v) a purchase of Mortgage Loans pursuant
to
Article II or III of this Agreement), nor acquire any assets for any Trust
REMIC
(other than REO Property acquired in respect of a defaulted Mortgage Loan),
nor
sell or dispose of any investments in the Collection Account or the Distribution
Account for gain, nor accept any contributions to any Trust REMIC after the
Closing Date (other than a Qualified Substitute Mortgage Loan delivered in
accordance with Section 2.03), unless it has received an Opinion of
Counsel, addressed to the Trustee, the Trust Administrator and the NIMS Insurer
(at the expense of the party seeking to cause such sale, disposition,
substitution, acquisition or contribution but in no event at the expense of
the
Trustee or the Trust Administrator) that such sale, disposition, substitution,
acquisition or contribution will not (a) affect adversely the status of any
Trust REMIC as a REMIC or (b) cause any Trust REMIC to be subject to a tax
on
“prohibited transactions” or “contributions” pursuant to the REMIC
Provisions.
| SECTION 10.03. |
Servicers,
Master Servicer and Trustee
Indemnification.
|
(a) In
the
event that any Trust REMIC fails to qualify as a REMIC, loses its status as
a
REMIC, or incurs federal, state or local taxes as a result of a prohibited
transaction or prohibited contribution under the REMIC Provisions due to (i)
the
negligent performance by the Trustee or the Trust Administrator of its duties
and obligations set forth herein or (ii) any state, local or franchise taxes
imposed upon the Trust Fund as a result of the location of the Trustee or the
Trust Administrator or any co-trustee, the Trustee or the Trust Administrator,
as applicable, shall indemnify the NIMS Insurer, the Servicers, the Master
Servicer and the Trust Fund against any and all Losses resulting from such
negligence, including, without limitation, any reasonable attorneys’ fees
imposed on or incurred as a result of a breach of the Trustee’s or the Trust
Administrator’s, as applicable, or any co-trustee’s covenants; provided,
however,
that
the Trustee or the Trust Administrator, as applicable, shall not be liable
for
any such Losses attributable to the action or inaction of any Servicer, the
Master Servicer, the Depositor or the Holder of such Residual Certificate,
as
applicable, nor for any such Losses resulting from misinformation provided
by
the Holder of such Residual Certificate on which the Trustee or the Trust
Administrator, as applicable, has relied. The foregoing shall not be deemed
to
limit or restrict the rights and remedies of the Holder of such Residual
Certificate now or hereafter existing at law or in equity. Notwithstanding
the
foregoing, however, in no event shall the Trustee or the Trust Administrator,
as
applicable, have any liability (1) for any action or omission that is taken
in
accordance with and in compliance with the express terms of, or which is
expressly permitted by the terms of, this Agreement, (2) for any Losses other
than arising out of a negligent performance by the Trustee or the Trust
Administrator, as applicable, of its duties and obligations set forth herein,
and (3) for any special or consequential damages to Certificateholders (in
addition to payment of principal and interest on the Certificates).
(b) In
the
event that any Trust REMIC fails to qualify as a REMIC, loses its status as
a
REMIC, or incurs federal, state or local taxes as a result of a prohibited
transaction or prohibited contribution under the REMIC Provisions due to the
negligent performance by the Master Servicer of its duties and obligations
set
forth herein, the Master Servicer shall indemnify the NIMS Insurer, the
Servicers, the Trustee, the Trust Administrator and the Trust Fund against
any
and all losses, claims, damages, liabilities or expenses (“Losses”) resulting
from such negligence, including, without limitation, any reasonable attorneys’
fees imposed on or incurred as a result of a breach of the Master Servicer’s
covenants; provided,
however,
that
the Master Servicer shall not be liable for any such Losses attributable to
the
action or inaction of the Trustee, the Trust Administrator, any Servicer, the
Depositor or the Holder of such Residual Certificate, as applicable, nor for
any
such Losses resulting from misinformation provided by the Holder of such
Residual Certificate on which the Master Servicer has relied. The foregoing
shall not be deemed to limit or restrict the rights and remedies of the Holder
of such Residual Certificate now or hereafter existing at law or in equity.
Notwithstanding the foregoing, however, in no event shall the Master Servicer
have any liability (1) for any action or omission that is taken in accordance
with and in compliance with the express terms of, or which is expressly
permitted by the terms of, this Agreement, (2) for any Losses other than arising
out of a negligent performance by the Master Servicer of its duties and
obligations set forth herein, and (3) for any special or consequential damages
to Certificateholders (in addition to payment of principal and interest on
the
Certificates).
(c) In
the
event that any Trust REMIC fails to qualify as a REMIC, loses its status as
a
REMIC, or incurs federal, state or local taxes as a result of a prohibited
transaction or prohibited contribution under the REMIC Provisions due to (i)
the
negligent performance by each Servicer of its duties and obligations set forth
herein or (ii) any state, local or franchise taxes imposed upon the Trust Fund
as a result of the location of the a Servicer or any sub-servicer, each Servicer
shall indemnify the NIMS Insurer, the Master Servicer, the Trustee, the Trust
Administrator and the Trust Fund against any and all losses, claims, damages,
liabilities or expenses (“Losses”) resulting from such negligence, including,
without limitation, any reasonable attorneys’ fees imposed on or incurred as a
result of a breach of a Servicer’s or any sub-servicer’s covenants; provided,
however,
that a
Servicer shall not be liable for any such Losses attributable to the action
or
inaction of the Master Servicer, the Trustee, the Trust Administrator, the
Depositor or the Holder of such Residual Certificate, as applicable, nor for
any
such Losses resulting from misinformation provided by the Holder of such
Residual Certificate on which the related Servicer has relied. The foregoing
shall not be deemed to limit or restrict the rights and remedies of the Holder
of such Residual Certificate now or hereafter existing at law or in equity.
Notwithstanding the foregoing, however, in no event shall a Servicer have any
liability (1) for any action or omission that is taken in accordance with and
in
compliance with the express terms of, or which is expressly permitted by the
terms of, this Agreement, (2) for any Losses other than arising out of a
negligent performance by the related Servicer of its duties and obligations
set
forth herein, and (3) for any special or consequential damages to
Certificateholders (in addition to payment of principal and interest on the
Certificates).
ARTICLE
XI
MISCELLANEOUS
PROVISIONS
| SECTION 11.01. |
Amendment.
|
This
Agreement may be amended from time to time by the Depositor, the each Servicer,
the Master Servicer, the Trust Administrator and the Trustee with the consent
of
the NIMS Insurer and without the consent of any of the Certificateholders,
(i)
to cure any ambiguity or defect, (ii) to correct, modify or supplement any
provisions herein (including to give effect to the expectations of
Certificateholders), or (iii) to make any other provisions with respect to
matters or questions arising under this Agreement which shall not be
inconsistent with the provisions of this Agreement, provided that such action
shall not adversely affect in any material respect the interests of any
Certificateholder as evidenced by either (i) an Opinion of Counsel delivered
to
the each Servicer, the Master Servicer, the Trustee, the Trust Administrator
and
the NIMS Insurer or (ii) confirmation from the Rating Agencies, delivered to
each Servicer, the Master Servicer, the Trustee, the Trust Administrator and
the
NIMS Insurer, that such amendment will not result in the reduction or withdrawal
of the rating of any outstanding Class of Certificates. No amendment shall
be
deemed to adversely affect in any material respect the interests of any
Certificateholder who shall have consented thereto, and no Opinion of Counsel
shall be required to address the effect of any such amendment on any such
consenting Certificateholder.
This
Agreement may also be amended from time to time by the Depositor, each Servicer,
the Master Servicer, the Trust Administrator, the NIMS Insurer and the Trustee
with the consent of the NIMS Insurer and the Holders of Certificates entitled
to
at least 66% of the Voting Rights for the purpose of adding any provisions
to or
changing in any manner or eliminating any of the provisions of this Agreement
or
of modifying in any manner the rights of a Swap Provider or Holders of
Certificates; provided, however, that no such amendment shall (i) reduce in
any
manner the amount of, or delay the timing of, payments received on Mortgage
Loans which are required to be distributed on any Certificate without the
consent of the Holder of such Certificate, (ii) adversely affect in any material
respect the interests of a Swap Provider or Holders of any Class of Certificates
(as evidenced by either (i) an Opinion of Counsel delivered to the Trustee
and
the NIMS Insurer or (ii) confirmation from the Rating Agencies, delivered to
each Servicer, the Master Servicer, the Trustee and the NIMS Insurer, that
such
action will not result in the reduction or withdrawal of the rating of any
outstanding Class of Certificates) in a manner, other than as described in
(i),
or (iii) modify the consents required by the immediately preceding clauses
(i)
and (ii) without the consent of the Holders of all Certificates then
outstanding. Notwithstanding any other provision of this Agreement, for purposes
of the giving or withholding of consents pursuant to this Section 11.01,
Certificates registered in the name of the Depositor, a Servicer or the Master
Servicer or any Affiliate thereof shall be entitled to Voting Rights with
respect to matters affecting such Certificates.
Notwithstanding
any contrary provision of this Agreement, none of the Trustee, the Trust
Administrator or the NIMS Insurer shall consent to any amendment to this
Agreement unless it shall have first received an Opinion of Counsel satisfactory
to the NIMS Insurer to the effect that such amendment will not result in the
imposition of any tax on any Trust REMIC pursuant to the REMIC Provisions or
cause any Trust REMIC to fail to qualify as a REMIC at any time that any
Certificates are outstanding.
Notwithstanding
any of the other provisions of this Section 11.01, none of the Depositor, the
Servicers, the Master Servicer, the Trust Administrator or the Trustee shall
enter into any amendment to Section 9.01, Section 11.09 or Section 11.10 of
this
Agreement without the prior written consent of the affected Swap
Provider.
Promptly
after the execution of any such amendment the Trust Administrator shall notify
each Certificateholder and make available to each Certificateholder and the
NIMS
Insurer a copy of such amendment.
It
shall
not be necessary for the consent of Certificateholders under this
Section 11.01 to approve the particular form of any proposed amendment, but
it shall be sufficient if such consent shall approve the substance thereof.
The
manner of obtaining such consents and of evidencing the authorization of the
execution thereof by Certificateholders shall be subject to such reasonable
regulations as the Trust Administrator may prescribe.
The
cost
of any Opinion of Counsel to be delivered pursuant to this Section 11.01
shall be borne by the Person seeking the related amendment, but in no event
shall such Opinion of Counsel be an expense of the Trustee or the Trust
Administrator.
The
Trustee and the Trust Administrator may, but neither shall be obligated to
enter
into any amendment pursuant to this Section that affects its rights, duties
and immunities under this Agreement or otherwise.
| SECTION 11.02. |
Recordation
of Agreement; Counterparts.
|
To
the
extent permitted by applicable law, this Agreement is subject to recordation
in
all appropriate public offices for real property records in all the counties
or
other comparable jurisdictions in which any or all of the properties subject
to
the Mortgages are situated, and in any other appropriate public recording office
or elsewhere, such recordation to be effected by the Servicers at the expense
of
the Certificateholders, but only upon direction of the Trustee or the Trust
Administrator accompanied by an Opinion of Counsel to the effect that such
recordation materially and beneficially affects the interests of the
Certificateholders.
For
the
purpose of facilitating the recordation of this Agreement as herein provided
and
for other purposes, this Agreement may be executed simultaneously in any number
of counterparts, each of which counterparts shall be deemed to be an original,
and such counterparts shall constitute but one and the same
instrument.
| SECTION 11.03. |
Limitation
on Rights of Certificateholders.
|
The
death
or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust, nor entitle such Certificateholder’s legal
representatives or heirs to claim an accounting or to take any action or
proceeding in any court for a partition or winding up of the Trust Fund, nor
otherwise affect the rights, obligations and liabilities of the parties hereto
or any of them.
No
Certificateholder shall have any right to vote (except as expressly provided
for
herein) or in any manner otherwise control the operation and management of
the
Trust, or the obligations of the parties hereto, nor shall anything herein
set
forth, or contained in the terms of any of the Certificates, be construed so
as
to constitute the Certificateholders from time to time as partners or members
of
an association; nor shall any Certificateholder be under any liability to any
third person by reason of any action taken by the parties to this Agreement
pursuant to any provision hereof.
No
Certificateholder shall have any right by virtue of any provision of this
Agreement to institute any suit, action or proceeding in equity or at law upon
or under or with respect to this Agreement, unless such Holder previously shall
have given to the Trustee a written notice of default and of the continuance
thereof, as hereinbefore provided, and unless also the Holders of Certificates
entitled to at least 25% of the Voting Rights shall have made written request
upon the Trustee to institute such action, suit or proceeding in its own name
as
Trustee hereunder and shall have offered to the Trustee such reasonable
indemnity as it may require against the costs, expenses and liabilities to
be
incurred therein or thereby, and the Trustee, for 15 days after its receipt
of
such notice, request and offer of indemnity, shall have neglected or refused
to
institute any such action, suit or proceeding. It is understood and intended,
and expressly covenanted by each Certificateholder with every other
Certificateholder and the Trustee, that no one or more Holders of Certificates
shall have any right in any manner whatsoever by virtue of any provision of
this
Agreement to affect, disturb or prejudice the rights of the Holders of any
other
of such Certificates, or to obtain or seek to obtain priority over or preference
to any other such Holder, or to enforce any right under this Agreement, except
in the manner herein provided and for the equal, ratable and common benefit
of
all Certificateholders. For the protection and enforcement of the provisions
of
this Section, each and every Certificateholder and the Trustee shall be entitled
to such relief as can be given either at law or in equity.
| SECTION 11.04. |
Governing
Law.
|
This
Agreement shall be construed in accordance with the laws of the State of New
York and the obligations, rights and remedies of the parties hereunder shall
be
determined in accordance with such laws.
| SECTION 11.05. |
Notices.
|
All
directions, demands and notices hereunder shall be in writing and shall be
deemed to have been duly given when received if personally delivered at or
mailed by first class mail, postage prepaid, or by express delivery service
or
delivered in any other manner specified herein, to (a) in the case of the
Depositor, ▇▇▇▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, Attention:
Legal (telecopy number (▇▇▇) ▇▇▇-▇▇▇▇), or such other address or telecopy number
as may hereafter be furnished to the Servicers, the Master Servicer, the Trust
Administrator, the NIMS Insurer and the Trustee in writing by the Depositor,
(b)
in the case of the ▇▇▇▇▇ Fargo (in its capacity as Servicer), ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇
▇▇▇▇▇ ▇▇▇▇., ▇▇▇▇▇ ▇▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇, Attention: Secretary
(telecopy number: (▇▇▇) ▇▇▇-▇▇▇▇) or such other address or telecopy number
as
may hereafter be furnished to the Depositor, the Master Servicer, the Trust
Administrator and the Trustee in writing by the Servicer (c) in the case of
the
Master Servicer, the Trust Administrator or the Custodian, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇,
▇.▇., ▇.▇. ▇▇▇ ▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Attention: Client Manager-MASTR
2006-HE1 (telecopy number (▇▇▇) ▇▇▇-▇▇▇▇), with a copy to ▇▇▇▇▇ Fargo Bank,
N.A., ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇, Attention: Client
Manager-MASTR 2006-HE1 (telecopy number (▇▇▇) ▇▇▇-▇▇▇▇), with a copy to ▇▇▇▇▇
Fargo Bank, N.A., ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇
▇▇▇▇▇, Attention: Client Manager-MASTR 2006-HE1, or such other address or
telecopy number as may hereafter be furnished to the Servicer, the Trustee,
the
NIMS Insurer and the Depositor in writing by the Master Servicer, (c) in the
case of the Trustee, ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇-▇▇-▇▇▇▇, ▇▇. ▇▇▇▇, ▇▇▇▇▇▇▇▇▇
▇▇▇▇▇, Attention: Structured Finance/MASTR 2006-HE1 (telecopy number (▇▇▇)
▇▇▇-▇▇▇▇), or such other address or telecopy number as may hereafter be
furnished to the Depositor, the Servicer, the NIMS Insurer, the Trust
Administrator and the Master Servicer in writing by the Trustee, or such other
address or telecopy number as may hereafter be furnished to the Master Servicer,
the NIMS Insurer and the Depositor in writing by the Trustee, (d) in the case
of
JPMorgan Chase Bank, National Association, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇
▇▇▇▇▇, Attention: General Counsel (telecopy number (▇▇▇) ▇▇▇-▇▇▇▇) with a copy
to ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇, Attnetion: ▇▇▇▇▇ Dunks
(telecopy number (▇▇▇) ▇▇▇-▇▇▇▇) or such other address or telecopy number as
may
hereafter be furnished to the Trustee, the Trust Administrator and the Depositor
in writing by JPMorgan Chase Bank, National Assocation, (e) in the case of
the
Credit Risk Manager, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇,
Attention: General Counsel, or such other address or telecopy number as may
hereafter be furnished to the Depositor, the Servicer, the Trustee and the
NIMS
Insurer and (f) in the case of the NIMS Insurer, if any, the address set forth
in the Indenture, or such other address or telecopy number as may hereafter
be
furnished to the Master Servicer, the Trust Administrator, the Depositor and
the
Trustee in writing by the NIMS Insurer. Any notice required or permitted to
be
given to a Certificateholder shall be given by first class mail, postage
prepaid, at the address of such Holder as shown in the Certificate Register.
Any
notice so mailed within the time prescribed in this Agreement shall be
conclusively presumed to have been duly given when mailed, whether or not the
Certificateholder receives such notice. A copy of any notice required to be
telecopied hereunder also shall be mailed to the appropriate party in the manner
set forth above.
| SECTION 11.06. |
Severability
of Provisions.
|
If
any
one or more of the covenants, agreements, provisions or terms of this Agreement
shall be for any reason whatsoever held invalid, then such covenants,
agreements, provisions or terms shall be deemed severable from the remaining
covenants, agreements, provisions or terms of this Agreement and shall in no
way
affect the validity or enforceability of the other provisions of this Agreement
or of the Certificates or the rights of the Holders thereof.
| SECTION 11.07. |
Notice
to Rating Agencies and the NIMS
Insurer.
|
The
Trust
Administrator shall use its best efforts promptly to provide notice to the
Rating Agencies and the NIMS Insurer with respect to each of the following
of
which it has actual knowledge:
Any
material change or amendment to this Agreement;
The
occurrence of any Servicer Event of Default or Master Servicer Event of
Termination that has not been cured or waived;
The
resignation or termination of the Master Servicer, the Trust Administrator
or
the Trustee;
The
repurchase or substitution of Mortgage Loans pursuant to or as contemplated
by
Section 2.03;
The
final
payment to the Holders of any Class of Certificates;
Any
change in the location of the Collection Account or the Distribution
Account;
Any
event
that would result in the inability of the Master Servicer to make advances
regarding delinquent Mortgage Loans to the same extent a Servicer is required
to
make such advances as provided in Section 4.03; and
The
filing of any claim under any Servicer’s blanket bond and errors and omissions
insurance policy required by Section 3.14 or the cancellation or material
modification of coverage under any such instrument.
In
addition, the Trust Administrator shall promptly make available to each Rating
Agency and the NIMS Insurer copies of each report to Certificateholders
described in Section 4.02 and the Master Servicer shall promptly furnish to
each Rating Agency copies of the following:
(1) Each
annual statement as to compliance described in Section 3.20;
and
(2) Each
annual independent public accountants’ servicing report described in
Section 3.21.
Any
such
notice pursuant to this Section 11.07 shall be in writing and shall be deemed
to
have been duly given if personally delivered at or mailed by first class mail,
postage prepaid, or by express delivery service to ▇▇▇▇▇’▇ Investors Service
Inc., ▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ and Standard & Poor’s
Ratings Services, a division of The ▇▇▇▇▇▇-▇▇▇▇ Companies, Inc., ▇▇ ▇▇▇▇▇
▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, or such other addresses as the Rating Agencies
may designate in writing to the parties hereto.
| SECTION 11.08. |
Article
and Section References.
|
All
article and section references used in this Agreement, unless otherwise
provided, are to articles and sections in this Agreement.
| SECTION 11.09. |
Grant
of Security Interest.
|
It
is the
express intent of the parties hereto that the conveyance of the Mortgage Loans
by the Depositor to the Trustee, be, and be construed as, a sale of the Mortgage
Loans by the Depositor and not a pledge of the Mortgage Loans to secure a debt
or other obligation of the Depositor. However, in the event that,
notwithstanding the aforementioned intent of the parties, the Mortgage Loans
are
held to be property of the Depositor, then, (a) it is the express intent of
the
parties that such conveyance be deemed a pledge of the Mortgage Loans by the
Depositor to the Trustee to secure a debt or other obligation of the Depositor
and (b)(1) this Agreement shall also be deemed to be a security agreement within
the meaning of Articles 8 and 9 of the Uniform Commercial Code as in effect
from
time to time in the State of New York; (2) the conveyance provided for in
Section 2.01 hereof shall be deemed to be a grant by the Depositor to the
Trustee of a security interest in all of the Depositor’s right, title and
interest in and to the Mortgage Loans and all amounts payable to the holders
of
the Mortgage Loans and the Swap Providers in accordance with the terms thereof
and all proceeds of the conversion, voluntary or involuntary, of the foregoing
into cash, instruments, securities or other property, including without
limitation all amounts, other than investment earnings, from time to time held
or invested in the Collection Account and the Distribution Account, whether
in
the form of cash, instruments, securities or other property; (3) the obligations
secured by such security agreement shall be deemed to be all of the Depositor’s
obligations under this Agreement, including the obligation to provide to the
Certificateholders and the Swap Providers the benefits of this Agreement
relating to the Mortgage Loans and the Trust Fund; and (4) notifications to
persons holding such property, and acknowledgments, receipts or confirmations
from persons holding such property, shall be deemed notifications to, or
acknowledgments, receipts or confirmations from, financial intermediaries,
bailees or agents (as applicable) of the Trustee for the purpose of perfecting
such security interest under applicable law. Accordingly, the Depositor hereby
grants to the Trustee a security interest in the Mortgage Loans and all other
property described in clause (2) of the preceding sentence, for the purpose
of
securing to the Trustee the performance by the Depositor of the obligations
described in clause (3) of the preceding sentence. Notwithstanding the
foregoing, the parties hereto intend the conveyance pursuant to
Section 2.01 to be a true, absolute and unconditional sale of the Mortgage
Loans and assets constituting the Trust Fund by the Depositor to the
Trustee.
| SECTION 11.10. |
Third
Party Rights.
|
Each
of
the NIMS Insurer, the Servicers and the Swap Providers shall be deemed a
third-party beneficiary of this Agreement to the same extent as if it were
a
party hereto, and shall have the right to enforce the provisions of this
Agreement.
| SECTION 11.11. |
Intention
of the Parties and Interpretation.
|
Each
of
the parties hereto acknowledges and agrees that the purpose of Sections 3.20,
3.21 and 4.06 of this Agreement is to facilitate compliance by the Depositor
with the provisions of Regulation AB promulgated by the SEC under the Exchange
Act (17 C.F.R. §§ 229.1100 - 229.1123), as such may be amended from time to time
and subject to clarification and interpretive advice as may be issued by the
staff of the Commission from time to time. Therefore, each of the parties hereto
agrees that (a) the obligations of the parties hereunder shall be interpreted
in
such a manner as to accomplish that purpose, (b) the parties’ obligations
hereunder will be supplemented and modified as necessary to be consistent with
any such amendments, interpretive advice or guidance, convention or consensus
among active participants in the asset-backed securities markets, advice of
counsel, or otherwise in respect of the requirements of Regulation AB, (c)
the
parties shall comply, to the extent practicable from a timing and information
systems perspective and to the extent that the Depositor will pay any increased
costs of the Trustee and Trust Administrator caused by such request, with
requests made by the Depositor for delivery of additional or different
information as the Depositor may determine in good faith is necessary to comply
with the provisions of Regulation AB, and (d) no amendment of this Agreement
shall be required to effect any such changes in the parties’ obligations as are
necessary to accommodate evolving interpretations of the provisions of
Regulation AB.
IN
WITNESS WHEREOF, the Depositor, the Servicers, the Master Servicer, the Trust
Administrator and the Trustee have caused their names to be signed hereto by
their respective officers thereunto duly authorized, in each case as of the
day
and year first above written.
|
MORTGAGE
ASSET SECURITIZATION TRANSACTIONS, INC.,
|
|
|
as
Depositor
|
|
|
By:
/s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇ ▇▇▇▇▇▇▇▇
|
|
|
Title:
Director
|
|
|
By:
/s/ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
|
|
|
Title:
Associate Director
|
|
|
▇▇▇▇▇
FARGO BANK, N.A.,
|
|
|
as
Master Servicer and Trust Administrator
|
|
|
By:
/s/ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇▇ ▇▇▇▇▇▇▇
|
|
|
Title:
Assistant Vice President
|
|
|
▇▇▇▇▇
FARGO BANK, N.A.,
|
|
|
as
Servicer
|
|
|
By:
/s/ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
|
|
|
Title:
Vice President
|
|
|
JPMORGAN
CHASE BANK, NATIONAL ASSOCIATION,
|
|
|
as
Servicer
|
|
|
By:
/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
|
|
|
Title:
Vice President
|
|
|
U.S.
BANK NATIONAL ASSOCIATION,
|
|
|
as
Trustee
|
|
|
By:
/s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
|
|
|
Title:
Vice President
|
|
For
purposes of Sections 6.08, 6.09 and 6.10:
|
|
|
▇▇▇▇▇▇▇
FIXED INCOME SERVICES INC.
|
|
|
By:
/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇
|
|
|
Name:
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇
|
|
|
Title:
President and General Counsel
|
STATE
OF
NEW
YORK
)
)
ss.:
COUNTY
OF
NEW
YORK
)
On
the
___ day of February 2006, before me, a notary public in and for said State,
personally appeared ________________________ and ________________________,
known
to me to be a(n) ________________________ and ________________________,
respectively, of Mortgage Asset Securitization Transactions, Inc., one of the
corporations that executed the within instrument, and also known to me to be
the
person who executed it on behalf of said corporation, and acknowledged to me
that such corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the
day and year in this certificate first above written.
Notary
Public
[Notarial
Seal]
STATE
OF
)
)
ss.:
COUNTY
OF
)
On
the
____ day of February 2006, before me, a notary public in and for said State,
personally appeared ________________________ known to me to be a(n)
________________________ of ▇▇▇▇▇ Fargo Bank, N.A., one of the corporations
that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the
day and year in this certificate first above written.
Notary
Public
[Notarial
Seal]
STATE
OF
MARYLAND
)
)
ss.:
COUNTY
OF
▇▇▇▇▇▇
)
On
the
____ day of February 2006, before me, a notary public in and for said State,
personally appeared ________________________ known to me to be a(n)
________________________ of ▇▇▇▇▇ Fargo Bank, N.A., one of the corporations
that
executed the within instrument, and also known to me to be the person who
executed it on behalf of said corporation, and acknowledged to me that such
corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the
day and year in this certificate first above written.
Notary
Public
[Notarial
Seal]
STATE
OF
MINNESOTA
)
)ss.:
COUNTY
OF
▇▇▇▇▇▇
)
On
the
____ day of February 2006, before me, a notary public in and for said State,
personally appeared ________________________, known to me to be a(n)
________________________ of U.S. Bank National Association, one of the
corporations that executed the within instrument, and also known to me to be
the
person who executed it on behalf of said corporation, and acknowledged to me
that such corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the
day and year in this certificate first above written.
Notary
Public
[Notarial
Seal]
STATE
OF )
)
ss.:
COUNTY
OF
)
On
the
____ day of February 2006, before me, a notary public in and for said State,
personally appeared ________________________ known to me to be a(n)
________________________ of JPMorgan Chase Bank, National Association, one
of
the corporations that executed the within instrument, and also known to me
to be
the person who executed it on behalf of said corporation, and acknowledged
to me
that such corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the
day and year in this certificate first above written.
Notary
Public
[Notarial
Seal]
EXHIBIT A-1
FORM OF CLASS A-1 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class A-1 Certificates
Pass-Through Rate: Variable as of the Issue Date: $ 291,109,000.00
Cut-off Date and date of Pooling and Denomination: $291,109,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-1 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-1 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-1 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class A-1 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class A-1 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator and the Trustee may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of the
Depositor, the Master Servicer, the Trust Administrator, the Trustee nor any
such agent shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-2
FORM OF CLASS A-2 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class A-2 Certificates
Pass-Through Rate: Variable as of the Issue Date: $77,391,000.00
Cut-off Date and date of Pooling and Denomination: $77,391,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-2 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-2 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-2 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class A-2 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class A-2 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-3
FORM OF CLASS A-3 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class A-3 Certificates
Pass-Through Rate: Variable as of the Issue Date: $ 99,533,000.00
Cut-off Date and date of Pooling and Denomination: $99,533,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-3 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-3 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-3 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class A-3 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class A-3 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-4
FORM OF CLASS A-4 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class A-4 Certificates
Pass-Through Rate: Variable as of the Issue Date: $37,044,000.00
Cut-off Date and date of Pooling and Denomination: $37,044,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-4 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-4 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-4 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class A-4 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class A-4 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-5
FORM OF CLASS M-1 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES TO THE EXTENT
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-1 Certificates
Pass-Through Rate: Variable as of the Issue Date: $25,418,000.00
Cut-off Date and date of Pooling and Denomination: $25,418,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-1 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-1 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-1 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-1 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-1 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-6
FORM OF CLASS M-2 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES AND THE CLASS
M-1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-2 Certificates
Pass-Through Rate: Variable as of the Issue Date: $23,108,000.00
Cut-off Date and date of Pooling and Denomination: $23,108,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-2 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-2 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-2 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-2 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-2 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-7
FORM OF CLASS M-3 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES AND THE CLASS M-2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-3 Certificates
Pass-Through Rate: Variable as of the Issue Date: $14,525,000.00
Cut-off Date and date of Pooling and Denomination: $14,525,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-3 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-3 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-3 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-3 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-3 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-8
FORM OF CLASS M-4 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES AND THE CLASS M-3 CERTIFICATES TO
THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-4 Certificates
Pass-Through Rate: Variable as of the Issue Date: $12,214,000.00
Cut-off Date and date of Pooling and Denomination: $12,214,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-4 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-4 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-4 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-4 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-4 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-9
FORM OF CLASS M-5 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES AND
THE CLASS M-4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-5 Certificates
Pass-Through Rate: Variable as of the Issue Date: $11,554,000.00
Cut-off Date and date of Pooling and Denomination: $11,554,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-5 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-5 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-5 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-5 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-5 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-10
FORM OF CLASS M-6 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES AND THE CLASS M-5 CERTIFICATES TO THE EXTENT
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-6 Certificates
Pass-Through Rate: Variable as of the Issue Date: $10,563,000.00
Cut-off Date and date of Pooling and Denomination: $10,563,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-6 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-6 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-6 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-6 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-6 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-11
FORM OF CLASS M-7 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES, THE CLASS M-5 CERTIFICATES AND THE CLASS M-6
CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-7 Certificates
Pass-Through Rate: Variable as of the Issue Date: $9,903,000.00
Cut-off Date and date of Pooling and Denomination: $9,903,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-7 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-7 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-7 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-7 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-7 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-12
FORM OF CLASS M-8 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
CERTIFICATES AND THE CLASS M-7 CERTIFICATES TO THE EXTENT DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-8 Certificates
Pass-Through Rate: Variable as of the Issue Date: $8,913,000.00
Cut-off Date and date of Pooling and Denomination: $8,913,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-8 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-8 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-8 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-8 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-8 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-13
FORM OF CLASS M-9 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
CERTIFICATES, THE CLASS M-7 CERTIFICATES AND THE CLASS M-8 CERTIFICATES TO
THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-9 Certificates
Pass-Through Rate: Variable as of the Issue Date: $7,262,000.00
Cut-off Date and date of Pooling and Denomination: $7,262,000.00
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-9 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-9 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-9 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-9 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-9 Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-14
FORM OF CLASS M-10 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
CERTIFICATES, THE CLASS M-7 CERTIFICATES, THE CLASS M-8 CERTIFICATES AND
THE CLASS M-9 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-10
Pass-Through Rate: Variable Certificates as of the Issue Date:
$6,932,000.00
Cut-off Date and date of Pooling and
Servicing Agreement: February 1, 2006 Denomination: $6,932,000.00
First Distribution Date: March 27, 2006 Master Servicer and Trust
Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1
Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-10 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-10 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-10 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-10 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-10 Certificates, or otherwise by check mailed
by first class mail to the address of the Person entitled thereto, as such name
and address shall appear on the Certificate Register. Notwithstanding the above,
the final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-15
FORM OF CLASS M-11 CERTIFICATE
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE TRUST
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR
PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE &
CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS
IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN
INTEREST HEREIN.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, THE CLASS M-1
CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE
CLASS M-4 CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
CERTIFICATES, THE CLASS M-7 CERTIFICATES, THE CLASS M-8 CERTIFICATES, THE
CLASS M-9 CERTIFICATES AND THE CLASS M-10 CERTIFICATES TO THE EXTENT
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.
THE HOLDER OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE MADE THE
REPRESENTATION SET FORTH IN SECTION 5.02 (d) OF THE AGREEMENT.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class M-11
Pass-Through Rate: Variable Certificates as of the Issue Date:
$6,602,000.00
Cut-off Date and date of Pooling and
Servicing Agreement: February 1, 2006 Denomination: $6,602,000.00
First Distribution Date: March 27, 2006 Master Servicer and Trust
Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1
Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
CUSIP: ▇▇▇▇▇▇▇▇▇
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-11 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-11 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-11 Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class M-11 Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class M-11 Certificates, or otherwise by check mailed
by first class mail to the address of the Person entitled thereto, as such name
and address shall appear on the Certificate Register. Notwithstanding the above,
the final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
The Pass-Through Rate applicable to the calculation of interest
payable with respect to this Certificate on any Distribution Date shall equal a
rate per annum equal to the lesser of (i) the related Formula Rate for such
Distribution Date and (ii) the related Net WAC Rate for such Distribution Date.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The holder of this Certificate shall be deemed to have made the
representation set forth in Section 5.02 (d) of the Pooling & Servicing
Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-16
FORM OF CLASS CE CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES AND THE
MEZZANINE CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT REFERRED TO HEREIN.
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE
AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO
SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE
EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND
IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE
AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY
ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN
COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.
Series ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class CE Certificates
Pass-Through Rate: Variable as of the Issue Date: $18,161,151.00
Cut-off Date and date of Pooling and Master Servicer and Trust
Servicing Agreement: February 1, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
First Distribution Date: March 27, 2006 Trustee: U.S. Bank National
Association
No. 1
Issue Date: February 27, 2006
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS
CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE
OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS
THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that UBS Securities LLC is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class CE Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class CE Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Mortgage
Asset Securitization Transactions, Inc. (hereinafter called the "Depositor,"
which term includes any successor entity under the Agreement), the Master
Servicer, the Trust Administrator and the Trustee, a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class CE Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class CE Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class CE Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
No transfer of this Certificate shall be made unless the transfer is
made pursuant to an effective registration statement under the Securities Act of
1933, as amended (the "1933 Act"), and an effective registration or
qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the
event that such a transfer of this Certificate is to be made without
registration or qualification, the Trust Administrator shall require receipt of
(i) if such transfer is purportedly being made in reliance upon Rule 144A under
the 1933 Act, written certifications from the Holder of the Certificate desiring
to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1, and (ii) in
all other cases, an Opinion of Counsel satisfactory to it that such transfer may
be made without such registration or qualification (which Opinion of Counsel
shall not be an expense of the Trust Fund or of the Depositor, the Trustee or
the Master Servicer, the Trust Administrator in their respective capacities as
such), together with copies of the written certification(s) of the Holder of the
Certificate desiring to effect the transfer and/or such Holder's prospective
transferee upon which such Opinion of Counsel is based. None of the Depositor or
the Trust Administrator is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Servicer and the Master Servicer against any liability that may
result if the transfer is not so exempt or is not made in accordance with such
federal and state laws.
No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate principal balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-17
FORM OF CLASS P CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS
THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE
INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE
AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO
SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE
EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND
IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE
AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY
ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN
COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Certificate Principal
Balance of the Class P Certificates
Cut-off Date and date of Pooling and as of the Issue Date: $100.00
Servicing Agreement: February 1, 2006
Denomination: $100.00
First Distribution Date: March 27, 2006
Master Servicer and Trust
No. 1 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT
ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION
OF THIS CERTIFICATE.
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that UBS Securities LLC is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class P Certificates as of
the Issue Date) in that certain beneficial ownership interest evidenced by all
the Class P Certificates in REMIC IV created pursuant to a Pooling and Servicing
Agreement, dated as specified above (the "Agreement"), among Mortgage Asset
Securitization Transactions, Inc. (hereinafter called the "Depositor," which
term includes any successor entity under the Agreement), the Master Servicer,
the Trust Administrator and the Trustee, a summary of certain of the pertinent
provisions of which is set forth hereafter. To the extent not defined herein,
the capitalized terms used herein have the meanings assigned in the Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class P Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class P Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class P Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof equal to the
denomination specified on the face hereof divided by the aggregate Certificate
Principal Balance of the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
No transfer of this Certificate shall be made unless the transfer is
made pursuant to an effective registration statement under the Securities Act of
1933, as amended (the "1933 Act"), and an effective registration or
qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the
event that such a transfer of this Certificate is to be made without
registration or qualification, the Trust Administrator shall require receipt of
(i) if such transfer is purportedly being made in reliance upon Rule 144A under
the 1933 Act, written certifications from the Holder of the Certificate desiring
to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1, and (ii) in
all other cases, an Opinion of Counsel satisfactory to it that such transfer may
be made without such registration or qualification (which Opinion of Counsel
shall not be an expense of the Trust Fund or of the Depositor, the Trustee or
the Master Servicer, the Trust Administrator in their respective capacities as
such), together with copies of the written certification(s) of the Holder of the
Certificate desiring to effect the transfer and/or such Holder's prospective
transferee upon which such Opinion of Counsel is based. None of the Depositor or
the Trust Administrator is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Servicer and the Master Servicer against any liability that may
result if the transfer is not so exempt or is not made in accordance with such
federal and state laws.
No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate principal balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-18
FORM OF CLASS R CERTIFICATE
THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES
PERSON.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT"
("REMIC"), AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND
860D OF THE INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE
ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND
SERVICING AGREEMENT REFERRED TO HEREIN.
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE
AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO
SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE
EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND
IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE
AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY
ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN
COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE
ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUST
ADMINISTRATOR THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY
POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY
FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR
INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN
A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS EXEMPT FROM
THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (3) ANY
ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH
PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL
HEREINAFTER BE REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR (4) AN
AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER
IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE
SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL
CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN
THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF
THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A
DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO
LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE
A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED
TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS
CERTIFICATE BY ACCEPTANCE HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE
PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(D) OF THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A
DISQUALIFIED ORGANIZATION IS PROHIBITED FROM ACQUIRING BENEFICIAL
OWNERSHIP OF THIS CERTIFICATE.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Percentage Interest of the
Class R Certificates as of the Issue
Cut-off Date and date of Pooling and Date: 100.00%
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that UBS Securities LLC is the registered owner of a
Percentage Interest (as specified above) in that certain beneficial ownership
interest evidenced by all the Certificates of the Class to which this
Certificate belongs created pursuant to a Pooling and Servicing Agreement, dated
as specified above (the "Agreement"), among Mortgage Asset Securitization
Transactions, Inc. (hereinafter called the "Depositor," which term includes any
successor entity under the Agreement), the Master Servicer, the Trust
Administrator and the Trustee, a summary of certain of the pertinent provisions
of which is set forth hereafter. To the extent not defined herein, the
capitalized terms used herein have the meanings assigned in the Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class R Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class R Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class R Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
No transfer of this Certificate shall be made unless the transfer is
made pursuant to an effective registration statement under the Securities Act of
1933, as amended (the "1933 Act"), and an effective registration or
qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the
event that such a transfer of this Certificate is to be made without
registration or qualification, the Trust Administrator shall require receipt of
(i) if such transfer is purportedly being made in reliance upon Rule 144A under
the 1933 Act, written certifications from the Holder of the Certificate desiring
to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1, and (ii) in
all other cases, an Opinion of Counsel satisfactory to it that such transfer may
be made without such registration or qualification (which Opinion of Counsel
shall not be an expense of the Trust Fund or of the Depositor, the Trustee or
the Master Servicer, the Trust Administrator in their respective capacities as
such), together with copies of the written certification(s) of the Holder of the
Certificate desiring to effect the transfer and/or such Holder's prospective
transferee upon which such Opinion of Counsel is based. Neither the Depositor
nor the Trust Administrator is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Servicer and the Master Servicer against any liability that may
result if the transfer is not so exempt or is not made in accordance with such
federal and state laws.
No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
Prior to registration of any transfer, sale or other disposition of
this Certificate, the proposed transferee shall provide to the Trust
Administrator (i) an affidavit to the effect that such transferee is any Person
other than a Disqualified Organization or the agent (including a broker, nominee
or middleman) of a Disqualified Organization, and (ii) a certificate that
acknowledges that (A) the Class R Certificates have been designated as a
residual interest in a REMIC, (B) it will include in its income a PRO RATA share
of the net income of the Trust Fund and that such income may be an "excess
inclusion," as defined in the Code, that, with certain exceptions, cannot be
offset by other losses or benefits from any tax exemption, and (C) it expects to
have the financial means to satisfy all of its tax obligations including those
relating to holding the Class R Certificates. Notwithstanding the registration
in the Certificate Register of any transfer, sale or other disposition of this
Certificate to a Disqualified Organization or an agent (including a broker,
nominee or middleman) of a Disqualified Organization, such registration shall be
deemed to be of no legal force or effect whatsoever and such Person shall not be
deemed to be a Certificateholder for any purpose, including, but not limited to,
the receipt of distributions in respect of this Certificate.
The Holder of this Certificate, by its acceptance hereof, shall be
deemed to have consented to the provisions of Section 5.02 of the Agreement and
to any amendment of the Agreement deemed necessary by counsel of the Depositor
to ensure that the transfer of this Certificate to any Person other than a
Permitted Transferee or any other Person will not cause the Trust Fund to cease
to qualify as a REMIC or cause the imposition of a tax upon the REMIC.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate principal balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT A-19
FORM OF CLASS R-X CERTIFICATE
THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES
PERSON.
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A
"RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT"
("REMIC"), AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND
860D OF THE INTERNAL REVENUE CODE OF 1986 AS AMENDED (THE "CODE").
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE
ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND
SERVICING AGREEMENT REFERRED TO HEREIN.
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE
AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO
SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE
EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND
IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE
AGREEMENT.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY
ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN
COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE
ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUST
ADMINISTRATOR THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY
POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY
FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR
INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN
A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS EXEMPT FROM
THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (3) ANY
ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH
PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL
HEREINAFTER BE REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR (4) AN
AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER
IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE
SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL
CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN
THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF
THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A
DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO
LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE
A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED
TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS
CERTIFICATE BY ACCEPTANCE HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE
PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(D) OF THE
POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A
DISQUALIFIED ORGANIZATION IS PROHIBITED FROM ACQUIRING BENEFICIAL
OWNERSHIP OF THIS CERTIFICATE.
Series: ▇▇▇▇-▇▇▇ ▇▇▇▇▇▇▇▇▇ Percentage Interest of the
Class R-X Certificates as of the
Cut-off Date and date of Pooling and Issue Date: 100.00%
Servicing Agreement: February 1, 2006
Master Servicer and Trust
First Distribution Date: March 27, 2006 Administrator: ▇▇▇▇▇ Fargo Bank, N.A.
No. 1 Trustee: U.S. Bank National
Association
Issue Date: February 27, 2006
MORTGAGE PASS-THROUGH CERTIFICATE
evidencing a beneficial ownership interest in a portion of a Trust Fund (the
"Trust Fund") consisting primarily of a pool of conventional one- to
four-family, fixed-rate and adjustable-rate, first and second lien mortgage
loans (the "Mortgage Loans") formed and sold by
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC., THE MASTER SERVICER, THE
TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES.
NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED
BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.
This certifies that UBS Securities LLC is the registered owner of a
Percentage Interest (as specified above) in that certain beneficial ownership
interest evidenced by all the Certificates of the Class to which this
Certificate belongs created pursuant to a Pooling and Servicing Agreement, dated
as specified above (the "Agreement"), among Mortgage Asset Securitization
Transactions, Inc. (hereinafter called the "Depositor," which term includes any
successor entity under the Agreement), the Master Servicer, the Trust
Administrator and the Trustee, a summary of certain of the pertinent provisions
of which is set forth hereafter. To the extent not defined herein, the
capitalized terms used herein have the meanings assigned in the Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, distributions will be made
on the 25th day of each month or, if such 25th day is not a Business Day, the
Business Day immediately following (a "Distribution Date"), commencing on the
First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class R-X Certificates on such Distribution
Date pursuant to the Agreement.
All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by the Trust Administrator by wire
transfer in immediately available funds to the account of the Person entitled
thereto if such Person shall have so notified the Trust Administrator in writing
at least five Business Days prior to the Record Date immediately prior to such
Distribution Date and is the registered owner of Class R-X Certificates the
aggregate initial Certificate Principal Balance of which is in excess of the
lesser of (i) $5,000,000 or (ii) two-thirds of the aggregate initial Certificate
Principal Balance of the Class R-X Certificates, or otherwise by check mailed by
first class mail to the address of the Person entitled thereto, as such name and
address shall appear on the Certificate Register. Notwithstanding the above, the
final distribution on this Certificate will be made after due notice by the
Trust Administrator of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trust Administrator for that purpose as provided in the Agreement.
This Certificate is one of a duly authorized issue of Certificates
designated as Mortgage Pass-Through Certificates of the Series specified on the
face hereof (herein called the "Certificates") and representing a Percentage
Interest in the Class of Certificates specified on the face hereof.
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. As provided in the
Agreement, withdrawals from the Distribution Account may be made from time to
time for purposes other than distributions to Certificateholders, such purposes
including reimbursement of advances made, or certain expenses incurred, with
respect to the Mortgage Loans.
The Agreement permits, with certain exceptions therein provided, the
amendment thereof and the modification of the rights and obligations of the
Depositor, the Master Servicer, the Servicer the Trust Administrator, the
Trustee, the NIMS Insurer, if any, and the rights of the Certificateholders
under the Agreement at any time by the Depositor, the Master Servicer, the
Servicer, the Trust Administrator, the Trustee and the NIMS Insurer, if any,
without the consent on the Certificateholders or with the consent of the Holders
of Certificates entitled to at least 66% of the Voting Rights as further set
forth in the Agreement. Any such consent by the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in
exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the
Certificates.
As provided in the Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the
Certificate Register upon surrender of this Certificate for registration of
transfer at the offices or agencies appointed by the Trust Administrator as
provided in the Agreement, duly endorsed by, or accompanied by an assignment in
the form below or other written instrument of transfer in form satisfactory to
the Trust Administrator duly executed by, the Holder hereof or such Holder's
attorney duly authorized in writing, and thereupon one or more new Certificates
of the same Class in authorized denominations evidencing the same aggregate
Percentage Interest will be issued to the designated transferee or transferees.
No transfer of this Certificate shall be made unless the transfer is
made pursuant to an effective registration statement under the Securities Act of
1933, as amended (the "1933 Act"), and an effective registration or
qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the
event that such a transfer of this Certificate is to be made without
registration or qualification, the Trust Administrator shall require receipt of
(i) if such transfer is purportedly being made in reliance upon Rule 144A under
the 1933 Act, written certifications from the Holder of the Certificate desiring
to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1, and (ii) in
all other cases, an Opinion of Counsel satisfactory to it that such transfer may
be made without such registration or qualification (which Opinion of Counsel
shall not be an expense of the Trust Fund or of the Depositor, the Trustee or
the Master Servicer, the Trust Administrator in their respective capacities as
such), together with copies of the written certification(s) of the Holder of the
Certificate desiring to effect the transfer and/or such Holder's prospective
transferee upon which such Opinion of Counsel is based. Neither the Depositor
nor the Trust Administrator is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Servicer and the Master Servicer against any liability that may
result if the transfer is not so exempt or is not made in accordance with such
federal and state laws.
No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Certificates are issuable in fully registered form only without
coupons in Classes and denominations representing Percentage Interests specified
in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, the Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.
No service charge will be made for any such registration of transfer or exchange
of Certificates, but the Trust Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in
connection with any transfer or exchange of Certificates.
Prior to registration of any transfer, sale or other disposition of
this Certificate, the proposed transferee shall provide to the Trust
Administrator (i) an affidavit to the effect that such transferee is any Person
other than a Disqualified Organization or the agent (including a broker, nominee
or middleman) of a Disqualified Organization, and (ii) a certificate that
acknowledges that (A) the Class R-X Certificates have been designated as a
residual interest in a REMIC, (B) it will include in its income a PRO RATA share
of the net income of the Trust Fund and that such income may be an "excess
inclusion," as defined in the Code, that, with certain exceptions, cannot be
offset by other losses or benefits from any tax exemption, and (C) it expects to
have the financial means to satisfy all of its tax obligations including those
relating to holding the Class R-X Certificates. Notwithstanding the registration
in the Certificate Register of any transfer, sale or other disposition of this
Certificate to a Disqualified Organization or an agent (including a broker,
nominee or middleman) of a Disqualified Organization, such registration shall be
deemed to be of no legal force or effect whatsoever and such Person shall not be
deemed to be a Certificateholder for any purpose, including, but not limited to,
the receipt of distributions in respect of this Certificate.
The Holder of this Certificate, by its acceptance hereof, shall be
deemed to have consented to the provisions of Section 5.02 of the Agreement and
to any amendment of the Agreement deemed necessary by counsel of the Depositor
to ensure that the transfer of this Certificate to any Person other than a
Permitted Transferee or any other Person will not cause the Trust Fund to cease
to qualify as a REMIC or cause the imposition of a tax upon the REMIC.
The Depositor, the Master Servicer, the Trust Administrator, the
Trustee and any agent of the Depositor, the Master Servicer, the Trust
Administrator or the Trustee may treat the Person in whose name this Certificate
is registered as the owner hereof for all purposes, and none of the Depositor,
the Master Servicer, the Trust Administrator, the Trustee nor any such agent
shall be affected by notice to the contrary.
The obligations created by the Agreement and the Trust Fund created
thereby shall terminate upon payment to the Certificateholders of all amounts
held by the Trust Administrator and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan and REO Property
remaining in REMIC I and (ii) the purchase by the party designated in the
Agreement at a price determined as provided in the Agreement from REMIC I of all
the Mortgage Loans and all property acquired in respect of such Mortgage Loans.
The Agreement permits, but does not require, the party designated in the
Agreement to purchase from REMIC I all of the Mortgage Loans and all property
acquired in respect of any Mortgage Loan at a price determined as provided in
the Agreement. The exercise of such right will effect early retirement of the
Certificates; however, such right to purchase is subject to the aggregate Stated
Principal Balance of the Mortgage Loans and REO Properties remaining in the
Trust Fund at the time of purchase being less than or equal to 10% of the
aggregate principal balance of the Mortgage Loans as of the Cut-off Date.
The recitals contained herein shall be taken as statements of the
Depositor and the Trust Administrator assumes no responsibility for their
correctness.
Unless the certificate of authentication hereon has been executed by
the Trust Administrator, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
IN WITNESS WHEREOF, the Trust Administrator has caused this
Certificate to be duly executed.
Dated: February ___, 2006
▇▇▇▇▇ FARGO BANK, N.A., not in its
individual capacity, but solely as
Trust Administrator for the MASTR
Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through
Certificates
By: ________________________________
Authorized Officer
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the within-mentioned
Agreement.
▇▇▇▇▇ FARGO BANK, N.A.,
as Trust Administrator
By: ________________________________
Authorized Signatory
ABBREVIATIONS
The following abbreviations, when used in the inscription on the face of this
instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:
TEN COM - as tenants in common UNIF GIFT MIN ACT - Custodian
--------------
(Cust) (Minor)
under Uniform
Giftsc to
Minors Act
TEN ENT - as tenants by the ------------------
entireties (State)
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
Additional abbreviations may also be used though not in the above list.
ASSIGNMENT
FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and
transfer(s) unto _______________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
(Please print or typewrite name, address including postal zip code, and
Taxpayer Identification Number of assignee) a Percentage Interest equal to ____%
evidenced by the within Mortgage Pass-Through Certificates and hereby
authorize(s) the registration of transfer of such interest to assignee on the
Certificate Register of the Trust Fund.
I (we) further direct the Trust Administrator to issue a new Certificate
of a like Percentage Interest and Class to the above named assignee and deliver
such Certificate to the following address:
________________________________________________________________________________
________________________________________________________________________________
_______________________________________________________________________________.
Dated:
_______________________________________
Signature by or on behalf of assignor
_______________________________________
Signature Guaranteed
DISTRIBUTION INSTRUCTIONS
The assignee should include the following for purposes of distribution:
Distributions shall be made, by wire transfer or otherwise, in immediately
available funds to _____________________________________________________________
________________________________________________________________________________
for the account of _____________________________________________________________
account number _____________________________________ or, if mailed by check, to
________________________________________________________________________________
Applicable statements should be mailed to ________________________________
________________________________________________________________________________
This information is provided by ________________________________________
assignee named above, or _______________________________________________________
its agent.
EXHIBIT B
[RESERVED]
EXHIBIT C-1
FORM OF [CUSTODIAN'S] [TRUSTEE'S] INITIAL CERTIFICATION
[Date]
Mortgage Asset Securitization U.S. Bank National Association
Transactions, Inc. ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
1285 Avenue of the Americas EP-MN-WS3D
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇. ▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn: Structured Finance/MASTR
2006-HE1
▇▇▇▇▇ Fargo Bank, N.A. JPMorgan Chase Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇
Re: Pooling and Servicing Agreement, dated as of
February 1, 2006, among Mortgage Asset
Securitization Transactions, Inc., ▇▇▇▇▇ Fargo
Bank, N.A., JPMorgan Chase Bank, National
Association and U.S. Bank National Association,
Mortgage Pass-Through Certificates,
Series 2006-HE1
Ladies and Gentlemen:
Attached is the [Custodian's] [Trustee's] preliminary exception report
delivered in accordance with Section 2.02 of the referenced Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement"). Capitalized terms
used but not otherwise defined herein shall have the meanings set forth in the
Pooling and Servicing Agreement.
The [Custodian] [Trustee] has made no independent examination of any
documents contained in each Mortgage File beyond the review specifically
required in the Pooling and Servicing Agreement. The [Custodian] [Trustee] makes
no representations as to (i) the validity, legality, sufficiency, enforceability
or genuineness of any of the documents contained in the Mortgage File pertaining
to the Mortgage Loans identified on the Mortgage Loan Schedule, (ii) the
collectability, insurability, effectiveness or suitability of any such Mortgage
Loan or (iii) whether any Mortgage File included any of the documents specified
in clause (vi) of Section 2.01 of the Pooling and Servicing Agreement.
Capitalized words and phrases used herein shall have the respective
meanings assigned to them in the Pooling and Servicing Agreement. This
Certificate is qualified in all respects by the terms of said Pooling and
Servicing Agreement.
[U.S. BANK NATIONAL ASSOCIATION][▇▇▇▇▇ FARGO
BANK, N.A]
By: __________________________________
Name:
Title:
EXHIBIT C-2
FORM OF [CUSTODIAN'S] [TRUSTEE'S] FINAL CERTIFICATION
[Date]
Mortgage Asset Securitization U.S. Bank National Association
Transactions, Inc. ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
1285 Avenue of the Americas EP-MN-WS3D
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇. ▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn: Structured Finance/MASTR
2006-HE1
▇▇▇▇▇ Fargo Bank, N.A. JPMorgan Chase Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇
Re: Pooling and Servicing Agreement, dated as of
February 1, 2006, among Mortgage Asset
Securitization Transactions, Inc., ▇▇▇▇▇ Fargo
Bank, N.A., JPMorgan Chase Bank, National
Association and U.S. Bank National Association,
Mortgage Pass-Through Certificates, Series
2006-HE1
Ladies and Gentlemen:
In accordance with Section 2.02 of the Pooling and Servicing Agreement,
the undersigned, as [Custodian] [Trustee], hereby certifies that as to each
Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage loan
paid in full or listed on Schedule I hereto) it (or its custodian) has received
the applicable documents listed in Section 2.01 of the Pooling and Servicing
Agreement.
The undersigned hereby certifies that as to each Mortgage Loan identified
on the Mortgage Loan Schedule, other than any Mortgage Loan listed on Schedule I
hereto, it has reviewed the documents listed above and has determined that each
such document appears to be complete and, based on an examination of such
documents, the information set forth in the Mortgage Loan Schedule is correct.
The [Custodian] [Trustee] has made no independent examination of any
documents contained in each Mortgage File beyond the review specifically
required in the Pooling and Servicing Agreement. The [Custodian] [Trustee] makes
no representations as to (i) the validity, legality, sufficiency, enforceability
or genuineness of any of the documents contained in the Mortgage File pertaining
to the Mortgage Loans identified on the Mortgage Loan Schedule, (ii) the
collectability, insurability, effectiveness or suitability of any such Mortgage
Loan or (iii) whether any Mortgage File included any of the documents specified
in clause (vi) of Section 2.01 of the Pooling and Servicing Agreement.
Capitalized words and phrases used herein shall have the respective
meanings assigned to them in the Pooling and Servicing Agreement. This
Certificate is qualified in all respects by the terms of said Pooling and
Servicing Agreement.
[U.S. BANK NATIONAL ASSOCIATION][▇▇▇▇▇ FARGO
BANK, N.A.]
By: __________________________________
Name:
Title:
EXHIBIT C-3
FORM OF RECEIPT OF MORTGAGE NOTE
Mortgage Asset Securitization U.S. Bank National Association
Transactions, Inc. ▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
1285 Avenue of the Americas EP-MN-WS3D
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇. ▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn: Structured Finance/MASTR
2006-HE1
▇▇▇▇▇ Fargo Bank, N.A. JPMorgan Chase Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇
▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇-▇▇▇▇
Re: Pooling and Servicing Agreement, dated as of
February 1, 2006, among Mortgage Asset
Securitization Transactions, Inc., ▇▇▇▇▇ Fargo
Bank, N.A., JPMorgan Chase Bank, National
Association and U.S. Bank National Association,
Mortgage Pass-Through Certificates, Series
2006-HE1
Ladies and Gentlemen:
Pursuant to Section 2.01 of the Pooling and Servicing Agreement, dated as
of February 1, 2006, among Mortgage Asset Securitization Transactions, Inc.,
▇▇▇▇▇ Fargo Bank, N.A., JPMorgan Chase Bank, National Association and U.S. Bank
National Association, we hereby acknowledge the receipt of the original Mortgage
Notes (a copy of which is attached hereto as Exhibit 1) with any exceptions
thereto listed on Exhibit 2.
[▇▇▇▇▇ FARGO BANK, N.A.,
as Custodian] [U.S. BANK NATIONAL
ASSOCIATION, as Trustee]
By: __________________________________
Name:
Title:
EXHIBIT D
FORMS OF ASSIGNMENT AND RECOGNITION AGREEMENT
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006, ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and DreamHouse Mortgage
Corp. (the "COMPANY"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
1. The Assignor hereby assigns to the Assignee (a) all of the
right, title and interest of the Assignor, as purchaser, in, to and under,
except as described below, that certain Master Mortgage Loan Sale Agreement
dated as November 3, 2004 (the "PURCHASE AGREEMENT"), between the Assignor, as
purchaser (the "PURCHASER"), and the Company, as seller, solely insofar as the
Purchase Agreement relates to the mortgage loans set forth on the schedule (the
"MORTGAGE LOAN SCHEDULE") attached hereto as EXHIBIT A (the "MORTGAGE LOANS")
and (b) other than as provided below with respect to the enforcement of
representations and warranties, none of the obligations of the Assignor under
the Purchase Agreement.
The Assignor specifically reserves and does not assign to the
Assignee hereunder any and all right, title and interest in, to and under and
any obligations of the Assignor with respect to any mortgage loans subject to
the Purchase Agreement which are not the Mortgage Loans set forth on the
Mortgage Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
2. From and after the date hereof, the Company shall and does
hereby recognize that the Assignee will transfer the Mortgage Loans and assign
its rights under the Purchase Agreement (solely to the extent set forth herein)
and this Agreement to MASTR Asset Backed Securities Trust 2006-HE1 (the "TRUST")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "POOLING AGREEMENT"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer (in such capacity, the "MASTER SERVICER"), trust administrator
(in such capacity, the "TRUST ADMINISTRATOR") and as servicer (in such capacity,
the "SERVICER"), JPMorgan Chase Bank, National Association as servicer (in such
capacity, the "SERVICER") and U.S. Bank National Association, as trustee
(including its successors in interest and any successor trustees under the
Pooling Agreement, the "TRUSTEE"). The Company hereby acknowledges and agrees
that from and after the date hereof (i) the Trust will be the owner of the
Mortgage Loans, (ii) the Company shall look solely to the Trust for performance
of any obligations of the Assignor insofar as they relate to the enforcement of
the representations, warranties and covenants with respect to the Mortgage
Loans, (iii) the Trust (including the Trustee, the Trust Administrator and the
Master Servicer acting on the Trust's behalf) shall have all the rights and
remedies available to the Assignor, insofar as they relate to the Mortgage
Loans, under the Purchase Agreement, including, without limitation, the
enforcement of the document delivery requirements and remedies with respect to
breaches of representations and warranties set forth in the Purchase Agreement,
and shall be entitled to enforce all of the obligations of the Company
thereunder insofar as they relate to the Mortgage Loans, and (iv) all references
to the Purchaser (insofar as they relate to the rights, title and interest and,
with respect to obligations of the Purchaser, only insofar as they relate to the
enforcement of the representations, warranties and covenants of the Company) or
the Custodian under the Purchase Agreement insofar as they relate to the
Mortgage Loans, shall be deemed to refer to the Trust (including the Trustee,
the Trust Administrator and the Master Servicer acting on the Trust's behalf).
Neither the Company nor the Assignor shall amend or agree to amend, modify,
waiver, or otherwise alter any of the terms or provisions of the Purchase
Agreement which amendment, modification, waiver or other alteration would in any
way affect the Mortgage Loans or the Company's performance under the Purchase
Agreement with respect to the Mortgage Loans without the prior written consent
of the Trustee and the Trust Administrator.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
3. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) Attached hereto as EXHIBIT B is a true and accurate copy
of the representations and warranties in Sections 3.1 and 3.2 of the
Purchase Agreement, which Purchase Agreement is in full force and
effect as of the date hereof and the provisions of which have not
been waived, amended or modified in any respect, nor has any notice
of termination been given thereunder;
(b) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(c) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(d) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement except as has already been obtained; and
(e) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
4. Pursuant to Section 4.9(b)(v) of the Purchase Agreement, the
Company hereby represents and warrants, for the benefit of the Assignor, the
Assignee and the Trust, that the representations and warranties set forth in
Sections 3.1 and 3.2 of the Purchase Agreement, are true and correct as of the
date hereof as if such representations and warranties were made on the date
hereof.
5. The Assignor hereby makes the following representation and
warranty as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws;
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E); and
(d) There is no Mortgage Loan that was originated on or after
March 7, 2003, which is a "high cost home loan" as defined under the
Georgia Fair Lending Act.
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
6. The Company hereby acknowledges and agrees that the remedies
available to the Assignor, the Assignee and the Trust (including the Trustee and
the Master Servicer acting on the Trust's behalf) in connection with any breach
of the representations and warranties made by the Company set forth in Sections
3 and 4 hereof shall be as set forth in Subsection 3.3 of the Purchase Agreement
as if they were set forth herein (including without limitation the repurchase
and indemnity obligations set forth therein). The Company further acknowledges
and agrees that a breach of any one of the representations set forth in Sections
3.1(k), (ii), (ss), (tt), (yy) and (zz) of the Purchase Agreement will be deemed
to materially adversely affect the interests of the certificateholders and shall
require a repurchase of the affected Mortgage Loan(s).
The Assignor hereby acknowledges and agrees that the remedies
available to the the Assignee and the Trust (including the Trustee and the
Master Servicer acting on the Trust's behalf) in connection with any breach of
the representations and warranties made by the Assignor set forth in Section 5
hereof shall be as set forth in Section 2.03 of the Pooling and Servicing
Agreement as if they were set forth herein (including without limitation the
repurchase obligations set forth therein). The Assignor hereby acknowledges and
agrees that a breach of any one of the representations set forth in Section 5
above will be deemed to materially adversely affect the interests of the
certificateholders and shall require a repurchase of the affected Mortgage
Loan(s).
MISCELLANEOUS
7. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
8. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee and the Trust Administrator.
9. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee, the Trust Administrator and the Master Servicer acting on the Trust's
behalf). Any entity into which Assignor, Assignee or Company may be merged or
consolidated shall, without the requirement for any further writing, be deemed
Assignor, Assignee or Company, respectively, hereunder.
10. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
11. This Agreement may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
12. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
13. Capitalized terms used in this Agreement (including the
exhibits hereto) but not defined in this Agreement shall have the meanings given
to such terms in the Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:_____________________________
Name:___________________________
Title:__________________________
MORTGAGE ASSET SECURITIZATION
TRANSACTIONS, INC.
By:_____________________________
Name:___________________________
Title:__________________________
DREAMHOUSE MORTGAGE CORP.
By:_____________________________
Name:___________________________
Title:__________________________
EXHIBIT A
Mortgage Loan Schedule
EXHIBIT B
SECTION 3.1 INDIVIDUAL MORTGAGE LOANS
Seller hereby represents and warrants to and agrees with Purchaser that,
as to each Mortgage Loan, as of its respective Funding Date:
(a)_____The information with respect to such Mortgage Loan uploaded on the
UBS Website with respect to such Mortgage Loan is complete, true and correct in
all material respects;
(b) The Mortgage and the Mortgage Note have not been assigned or pledged,
and, immediately prior to the transfer thereof to the Purchaser pursuant to
Section 2.1, the Seller had good and marketable title thereto, and the Seller is
the sole owner and holder of such Mortgage Loan free and clear of any and all
liens, claims, encumbrances, participation interests, equities, pledges,
charges, or security interests of any nature and has full right and authority,
subject to no interest or participation of, or agreement with, any other party,
to sell and assign such Mortgage Loan pursuant to this Agreement. Upon the
transfer thereof to the Purchaser pursuant to Section 2.1, the Seller will have
taken all actions necessary on its part to be taken so that the Purchaser will
have good indefeasible title to, and will be sole owner of, the Mortgage and the
Mortgage Note, free and clear of any and all liens, claims, encumbrances,
participation interests, equities, pledges, charges, or security interests of
any nature, subject to bankruptcy, insolvency, moratorium, reorganization and
similar laws relating to or limiting the enforcement of creditor's rights
generally;
(c) For each Mortgage Loan that is not a Co-op Loan, the Mortgage is a
valid, subsisting and enforceable first lien on the Mortgaged Property including
all buildings, fixtures, installations and improvements to the Mortgaged
Property, and the Mortgaged Property is free and clear of all encumbrances and
liens having parity with or priority over the first lien of the Mortgage except
for (i) the lien of current real property taxes and assessments not yet due and
payable, (ii) covenants, conditions and restrictions, rights of way, easements,
mineral right reservations and other matters of public record as of the date of
recording of such Mortgage, such exceptions generally being acceptable under
prudent mortgage lending standards and specifically reflected in the appraisal
made in connection with the origination of such Mortgage Loan, and (iii) other
matters to which like properties are commonly subject that do not materially
interfere with the value, use, enjoyment or marketability of the Mortgaged
Property. With respect to a Mortgage Loan that is a Co-op Loan, the Mortgage
creates a first lien or a first priority ownership interest in the stock
ownership and leasehold rights associated with the cooperative unit securing the
related Mortgage Note;
(d) The terms of the Mortgage and the Mortgage Note have not been
impaired, waived, altered, or modified in any respect, except by a written
instrument which has been recorded, if necessary, to protect the interest of the
Purchaser and which has been delivered to the Purchaser. The substance of any
such alteration or modification has been approved, to the extent necessary, by
the insurer under the applicable mortgage title insurance policy;
(e) No instrument of release, waiver, alteration, or modification has been
executed in connection with such Mortgage Loan or Mortgaged Property, and no
Mortgagor has been released, in whole or in part, except in connection with an
assumption agreement which is part of the Mortgage File and has been delivered
to the Purchaser;
(f) There is no default, breach, violation, or event of acceleration
existing under the Mortgage or the Mortgage Note and no event which, with the
passage of time or with notice and the expiration of any grace or cure period,
would constitute such a default, breach, violation, or event of acceleration,
and neither the Seller nor any prior seller or servicer, has waived any such
default, breach, violation, or event of acceleration. All taxes, governmental
assessments (including assessments payable in future installments), water, sewer
and municipal charges, insurance premiums, leasehold payments, or ground rents
which previously became due and owing in respect of or affecting the related
Mortgaged Property have been paid, or an escrow of funds has been established in
an amount sufficient to pay for every such item which remains unpaid and which
has been assessed but is not yet due and payable. The Seller has not advanced
funds, or induced, solicited, or knowingly received any advance of funds by a
party other than the Mortgagor, directly or indirectly, for the payment of any
amount required by the Mortgage or the Mortgage Note. There has been no
delinquency, exclusive of any grace period, in any payment by the Mortgagor on
any Mortgage Loan during the last twelve (12) months. All payments due on or
prior to the related Funding Date for such Mortgage Loan have been made as of
the related Funding Date, the Mortgage Loan is not delinquent in payment more
than 30 days and has not been dishonored;
(g) The Mortgaged Property is free of material damage and in good repair,
and there is no proceeding pending or threatened for the total or partial
condemnation of the Mortgaged Property, nor has any notice of any such pending
or threatened proceeding been received or is such a proceeding currently
occurring, so as to adversely impair the value or marketability of the Mortgaged
Property;
(h) There are no mechanics' or similar liens or claims which have been
filed for work, labor, or material (and no rights are outstanding that under law
could give rise to such lien) which are, or may be, liens prior or equal to, or
coordinate with, the lien of the related Mortgage;
(i) All of the improvements which were included for the purpose of
determining the Appraised Value of the Mortgaged Property were completed at the
time that such Mortgage Loan was originated and lie wholly within the boundaries
and building restriction lines of such Mortgaged Property and all improvements
on the property comply with all applicable zoning and subdivision laws and
ordinances. Except for de minimis encroachments permitted by the ▇▇▇▇▇▇ ▇▇▇
Guides (MBS Special Servicing Option) or the ▇▇▇▇▇▇▇ Mac Guide, no improvements
on adjoining properties encroach upon the Mortgaged Property;
(j) All parties that have had any interest in the Mortgage, whether as
mortgagee, assignee, pledgee, or otherwise, are (or, during the period in which
they held and disposed of such interest, were) (i) in compliance with any and
all applicable "doing business" and licensing requirements of the laws of the
state wherein the Mortgaged Property is located and (ii)(A) organized under the
laws of such state, (B) qualified to do business in such state, (C) federal
savings and loan associations or national banks having principal offices in such
state, or (D) not required to qualify to do business in such state;
(k) No Mortgagor was required to purchase any credit life, disability,
accident or health insurance product as a condition of obtaining the extension
of credit. No Mortgagor obtained a prepaid single premium credit life,
disability, accident or health insurance policy in connection with the
origination of the Mortgage Loan; No proceeds of the Mortgage Loan were used by
the related Mortgagor to purchase or finance the purchase of any single premium
credit life insurance policies as part of the origination of, or as a condition
to closing, such Mortgage Loan;
(l) On or prior to the Funding Date, the Seller has, in accordance with
Section 2.3(b), delivered to the Purchaser originals of each of the documents
with respect to such Mortgage Loan specified in Section 2.3(b) (or the documents
specified therein permitted to be delivered in lieu thereof) and the other
documents in the Mortgage File. There are no custodial agreements in effect
adversely affecting the right or ability of the Seller to make the deliveries of
such documents. Each of the documents with respect to such Mortgage Loan
specified in Section 2.3(b), Exhibit A hereto or in the Mortgage File is
genuine, true, correct and complete and has not been altered or modified in any
way except as noted in the Mortgage File;
(m) The Mortgage Note and the Mortgage are genuine, and each is the legal,
valid and binding obligation of the maker thereof and each party assuming
liability therefore, enforceable in accordance with its terms, except as such
enforcement may be limited by bankruptcy, insolvency, reorganization,
moratorium, or other similar laws affecting the enforcement of creditors' rights
generally and except that the equitable remedy of specific performance and other
equitable remedies are subject to the discretion of the courts. All parties to
the Mortgage Note and the Mortgage had legal capacity to execute the Mortgage
Note and the Mortgage and convey the estate therein purported to be conveyed,
and the Mortgage Note and the Mortgage have been duly and properly executed by
such parties or pursuant to a valid power-of-attorney. The Mortgagor is a
natural person who is a party to the Mortgage Note and the Mortgage in an
individual capacity or in the capacity of trustee in connection with an inter
vivos trust meeting the requirements of ▇▇▇▇▇▇ ▇▇▇. With respect to each
inter-vivos trust, holding title to the Mortgaged Property in such trust will
not diminish any rights as a creditor including the right to full title to the
Mortgage Property in the event foreclosure proceedings are initiated;
(n) The transfer of the Mortgage Note and the Mortgage as and in the
manner contemplated by this Agreement is sufficient fully to transfer to the
Purchaser all right, title and interest of the Seller thereto as note Purchaser
and mortgagee subject to bankruptcy, insolvency, moratorium, reorganization and
similar laws relating to or limiting the enforcement of creditors' rights
generally. The Mortgage has been duly assigned (except with respect to any
Mortgage Loan assigned to MERS) and the Mortgage Note has been duly endorsed as
provided in Exhibit A. With respect to each Mortgage Loan that is not assigned
to MERS, the Assignment of Mortgage delivered to the Purchaser is in recordable
form and is acceptable for recording under the laws of the applicable
jurisdiction;
(o) At origination of each Mortgage Loan, any and all requirements of any
federal, state, or local law including, without limitation, usury,
truth-in-lending, real estate settlement procedures, consumer credit protection,
equal credit opportunity, predatory and abusive lending laws, or disclosure laws
applicable to such Mortgage Loan had been complied with, and the Seller shall
maintain, in its possession, available for the Purchaser's inspection, and shall
deliver to the Purchaser or its designee upon demand, evidence of compliance
with all such requirements. The consummation of the transactions contemplated by
this Agreement will not cause the violation of any such laws;
(p) The proceeds of such Mortgage Loan have been fully disbursed, there is
no requirement for, and the Seller shall not make any, future advances
thereunder, and any and all requirements as to completion of any on-site or
off-site improvement and as to disbursements of any escrow therefore have been
complied with. Any future advances made prior to the Cut-off Date have been
consolidated with the principal balance secured by the Mortgage, and such
principal balance, as consolidated, bears a single interest rate and single
repayment term. The lien of the Mortgage securing the consolidated principal
amount is expressly insured as having first lien priority by a title insurance
policy, an endorsement to the policy insuring the Mortgagee's consolidated
interest or by other title evidence acceptable to Purchaser. There is no
obligation on the part of the Seller or any other party to make payments in
addition to those made by the Mortgagor. The Unpaid Principal Balance as of the
Cut-off Date does not exceed the original principal amount of such Mortgage
Loan. All costs, fees and expenses incurred in making, or closing or recording
such Mortgage Loan have been paid and the Mortgagor is not entitled to any
refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note
or Mortgage;
(q) Such Mortgage Loan is covered by an ALTA mortgage title insurance
policy or such other generally used and acceptable form of policy (which has an
adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1, if
applicable), or insurance acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac (with
environmental lien endorsement and condominium endorsement, to the extent
applicable), issued by and the valid and binding obligation of a title insurer
acceptable to ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and qualified to do business in the
jurisdiction where the Mortgaged Property is located, insuring the Seller, and
its successors and assigns, as to the first priority lien of the Mortgage in the
original principal amount of such Mortgage Loan, and with respect to Adjustable
Rate Mortgage Loans, against any loss by reason of the invalidity or
unenforceability of the lien resulting from the provisions of the Mortgage
providing for adjustment in the Mortgage Interest Rate and Monthly Payment, such
mortgage title insurance policy is in full force and effect. Additionally, such
lender's title insurance policy affirmatively insures ingress and egress to and
from the Mortgaged Property, and against encroachments by or upon the Mortgaged
Property or any interest therein. The Seller is the sole insured of such
lender's title insurance policy, and such lender's title insurance policy is in
full force and effect and will be in full force and effect upon the consummation
of the transactions contemplated by this Agreement. No claims have been made
under such lender's title insurance policy, and no prior holder of the related
Mortgage, including the Seller, has done, by act or omission, anything which
would impair the coverage of such lender's title insurance policy;
(r) All buildings or other customarily insured improvements upon the
Mortgaged Property are insured by an insurer acceptable under the ▇▇▇▇▇▇ Mae
Guides, against loss by fire, hazards of extended coverage and such other
hazards as are provided for in the ▇▇▇▇▇▇ ▇▇▇ Guides or by the ▇▇▇▇▇▇▇ Mac
Guides, in an amount representing coverage not less than the lesser of (i) the
maximum insurable value of the improvements securing such Mortgage Loans, and
(ii) the greater of (a) the outstanding principal balance of the Mortgage Loan,
and (b) an amount such that the proceeds thereof shall be sufficient to prevent
the Mortgagor and/or the mortgagee from becoming a co-insurer. All such standard
hazard policies are in full force and effect and on the date of origination
contained a standard mortgagee clause naming the Seller and its successors in
interest and assigns as loss payee and such clause is still in effect and all
premiums due thereon have been paid. If the Mortgaged Property is located in an
area identified in the Federal Register by the Federal Emergency Management
Agency as having special flood hazards (and such flood insurance has been made
available), such Mortgaged Property is covered by a flood insurance policy
meeting the requirements of current guidelines of the Federal Insurance
Administration which policy conforms to the requirements of ▇▇▇▇▇▇ ▇▇▇ and
▇▇▇▇▇▇▇ Mac. Each individual insurance policy has been validly issued and is in
full force and effect. The Seller has caused to be performed any and all acts
required to preserve the rights and interests of the Purchaser in all insurance
policies required by this Agreement, including, without limitation, notification
of insurers, and assignment of policies or interests therein. Each individual
insurance policy contains a standard mortgagee clause naming the Seller, and its
successors and assigns, as mortgagee and loss payee. All premiums thereon have
been paid. The Mortgage obligates the Mortgagor to maintain all such insurance
at the Mortgagor's cost and expense, and upon the Mortgagor's failure to do so,
authorizes the Purchaser of the Mortgage to obtain and maintain such insurance
at the Mortgagor's cost and expense and to seek reimbursement therefore from the
Mortgagor, and no action, inaction or event has occurred, and no state of facts
exists that has, or will result in, the exclusion from, or denial of, or defense
to the coverage of any such insurance policy or the validity, binding effect and
enforceability thereof;
(s) There is no valid offset, defense, counterclaim or right of rescission
as to any Mortgage Note or Mortgage, including the obligation of the Mortgagor
to pay the unpaid principal of or interest on such Mortgage Note nor will the
operation of any of the terms of the Mortgage Note or the exercise of any right
thereunder render the Mortgage unenforceable, in-whole or in-part, or subject to
any off-set, defense, counterclaim or right of rescission;
(t) Each Mortgage Loan was originated by the Seller; or by a savings and
loan association, savings bank, commercial bank, credit union, insurance Seller,
or similar institution that is supervised and examined by a Federal or state
authority; or by a mortgagee approved by the Secretary of Housing and Urban
Development pursuant to Sections 203 and 211 of the National Housing Act. Such
Mortgage Loan has not been sold by the Seller to any Person other than the
Purchaser;
(u) Principal payments on such Mortgage Loan commenced no more than sixty
days after funds were disbursed in connection with such Mortgage Loan. The
Mortgage Note requires a Monthly Payment (which changes on each Adjustment Date
with respect to Adjustable Rate Mortgage Loans) which is sufficient to fully
amortize the original principal balance over the remaining term thereof and to
pay interest at the Mortgage Interest Rate. Such Mortgage Loan does not contain
terms or provisions which would result in negative amortization. The Index, the
Gross Margin, the Maximum Mortgage Interest Rate, the Minimum Mortgage Interest
Rate, the Periodic Rate Cap, and the Initial Rate Cap is as provided on the UBS
Website. No Mortgage Loan is a Convertible Mortgage Loan;
(v) Such Mortgage Loan is a conventional residential mortgage loan having
an original term to maturity of not more than thirty years with interest payable
in arrears on the first day of each month;
(w) The Mortgage contains customary and enforceable provisions which
render the rights and remedies of the Purchaser thereof adequate for the
realization against the Mortgaged Property of the benefits of the security,
including (i) in the case of a Mortgage designated as a deed of trust, by
trustee's sale, and (ii) otherwise by judicial foreclosure. Following
origination of the Mortgage Loan, the Mortgaged Property has not been subject to
any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not
filed for protection under applicable bankruptcy laws. There is no homestead,
dower, curtesy, or other exemption or right available to the Mortgagor or any
other person which would interfere with the right to sell the Mortgaged Property
at a trustee's sale or the right to foreclose the Mortgage. The Mortgage
contains customary and enforceable provisions for the acceleration of the
payment of the unpaid principal balance of such Mortgage Loan in the event all
or any part of the related Mortgaged Property is sold or otherwise transferred
without the prior consent of the Purchaser thereunder;
(x) If the Mortgage constitutes a deed of trust, a trustee, duly qualified
under applicable law to serve as such, has been properly designated and
currently so serves and is named in such Mortgage, and no fees or expenses are
or will become payable by the Purchaser to the trustee under the deed of trust,
except in connection with a trustee's sale after default by the Mortgagor;
(y) The Mortgaged Property consists of a single parcel of real property
separately assessed for tax purposes, upon which is erected a detached or an
attached one-to-four family residence, or an individual condominium unit, or an
individual unit in a planned unit development. Such residence, dwelling, or unit
is not (i) a property constituting part of a syndication, (ii) a time share
unit, (iii) a mobile home or (iv) a recreational vehicle. No portion of any
Mortgaged Property is being used for commercial purposes. Any condominium unit
or planned unit development is acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac or is
otherwise "warrantable" with respect thereto;
(z) With respect to each Mortgage Loan secured in whole or in part by the
interest of the Mortgagor as a lessee under a ground lease of a Mortgaged
Property (a "Ground Lease") the real property securing such Mortgage Loan is
located in a jurisdiction in which the use of leasehold estates for residential
properties is a widely-accepted practice and:
(i) Such Ground Lease is valid, in good standing, and in full force and
effect;
(ii) The lessee is not in default under any provision of the lease;
(iii) The term of the Ground Lease exceeds the maturity date of the
related Mortgage Loan by at least ten years;
(iv) The mortgagee under the Mortgage Loan is given at least 30 days'
notice of any default and an opportunity to cure any defaults under
the Ground Lease or to take over the Mortgagor's rights under the
Ground Lease;
(v) The Ground Lease does not contain any default provisions that could
give rise to forfeiture or termination of the Ground Lease except
for the non-payment of the Ground Lease rents; and
(vi) The Ground Lease provides that the leasehold can be transferred,
mortgaged and sublet an unlimited number of times either without
restriction or on payment of a reasonable fee and delivery of
reasonable documentation to the lessor.
(aa) No Mortgage Loan had a Loan-to-Value Ratio at the time of origination
of more than 95%. None of the Mortgage Loans are covered by "lender paid"
mortgage insurance;
(bb) No action has been taken or omitted, and no event has occurred and no
state of facts exists or has existed on or prior to the Funding Date (whether or
not known to the Seller on or prior to such date) which has resulted or will
result in an exclusion from, denial of, or defense to coverage under any
insurance policy related to a Mortgage Loan, including, without limitation, any
exclusions, denials, or defenses which would limit or reduce the availability of
the timely payment of the full amount of the loss otherwise due thereunder to
the insured, whether arising out of actions, representations, errors, omissions,
negligence, or fraud of the Seller, the related Mortgagor, or any party involved
in the application for such coverage, including the appraisal, plans and
specifications and other exhibits or documents submitted therewith to the
insurer under such insurance policy, or for any other reason under such
coverage, but not including the failure of such insurer to pay by reason of such
insurer's breach of such insurance policy or such insurer's financial inability
to pay;
(cc) Such Mortgage Loan was underwritten in accordance with the UBS Guide
and the Mortgage and Mortgage Note are on forms acceptable to ▇▇▇▇▇▇ Mae and
▇▇▇▇▇▇▇ Mac;
(dd) There exist no deficiencies with respect to escrow deposits and
payments, if such are required, for which customary arrangements for repayment
thereof have not been made or which the Seller expects not to be cured, and no
escrow deposits or payments of other charges or payments due the Seller have
been capitalized under the Mortgage or the Mortgage Note;
(ee) Such Mortgage Loan does not have a shared appreciation feature or
other contingent interest feature;
(ff) No statement, report, or other document constituting a part of the
Mortgage File contains any untrue statement of fact or omits to state a fact
necessary to make the statements contained therein not misleading;
(gg) The Mortgagor has received all disclosure materials, if any, required
by applicable law with respect to the making of each Mortgage Loan and the
Mortgagor has executed one or more statements acknowledging such receipt;
(hh) The Mortgage File contains an appraisal of the related Mortgaged
Property which is on the appropriate appraisal form, as described in the UBS
Guide, with an interior inspection and was signed prior to the approval of the
application for such Mortgage Loan by a qualified appraiser, duly appointed by
the originator of such Mortgage Loan, who had no interest, direct or indirect,
in the Mortgaged Property or in any loan made on the security thereof, and whose
compensation is not affected by the approval or disapproval of such application
and otherwise meets the requirements of the ▇▇▇▇▇▇ Mae Guides (MBS Special
Servicing Option) or the ▇▇▇▇▇▇▇ Mac Guide. Each appraisal was made in
accordance with the relevant provisions of the Financial Institutions Reform,
Recovery, and Enforcement Act of 1989 and is on a form acceptable to ▇▇▇▇▇▇ Mae
or ▇▇▇▇▇▇▇ Mac;
(ii) No Mortgage Loan is (a) subject to, covered by or in violation of the
Home Ownership and Equity Protection Act of 1994 ("HOEPA"), (b) classified as
"high cost," "covered," "high risk home", "high-rate, high-fee", "threshold," or
"predatory" loans under HOEPA or any other applicable state, federal or local
law, including any predatory or abusive lending laws (or similarly classified
loans using different terminology under a law imposing heightened scrutiny or
additional legal liability for residential mortgage loans having high interest
rates, points and/or fees), (c) a High Cost Loan or Covered Loan, as applicable
(as such terms are defined in the Standard & Poor's LEVELS(R) Glossary Revised,
Appendix E) or (d) in violation of any state law or ordinance comparable to
HOEPA;
(jj) The Mortgage Note is not and has not been secured by any collateral
except the lien of the corresponding Mortgage;
(kk) No Mortgage Loan contains provisions pursuant to which Monthly
Payments are (a) paid or partially paid with funds deposited in any separate
account established by the Seller, the Mortgagor, or anyone on behalf of the
Mortgagor, (b) paid by any source other than the Mortgagor or (c) except any
Mortgage Loan identified by Seller as a Buydown Loan on the UBS Website,
contains any other similar provisions which may constitute a "buydown"
provision. The Mortgage Loan is not a graduated payment Mortgage Loan and the
Mortgage Loan does not have a shared appreciation or other contingent interest
feature;
(ll) The Seller has no knowledge of any circumstances or condition with
respect to the Mortgaged Property, the Mortgagor, the Mortgagor's credit
standing or the Mortgage that can reasonably be expected to cause the Mortgage
Loan to be an unacceptable investment, cause the Mortgage Loan to become
delinquent, or adversely affect the value of the Mortgage Loan;
(mm) No Mortgage Loan has a balloon payment feature;
(nn) No Mortgage Loan which is a cash-out refinancing was originated in
the State of Texas;
(oo) Interest on each Mortgage Loan is calculated on the basis of a
360-day year consisting of twelve 30-day months;
(pp) The Mortgaged Property is in compliance with all applicable
environmental laws pertaining to environmental hazards including, without
limitation, asbestos, and neither the Seller nor, to the Seller's knowledge, the
related Mortgagor, has received any notice of any violation or potential
violation of such law;
(qq) No misrepresentation, fraud or similar occurrence with respect to a
Mortgage Loan has taken place on the part of any Person, including without
limitation the Seller, any prior originator or servicer, the Mortgagor, any
appraiser, any builder or developer, or any other party involved in the
origination of the Mortgage Loan or in the application of any insurance in
relation to such Mortgage Loan;
(rr) The related Mortgagor has not requested any relief allowed to such
Mortgagor under the Servicemembers' Civil Relief Act of 1940;
(ss) Except as identified by Seller on the UBS Website, the Mortgage Loan
is not subject to a prepayment penalty. For any Mortgage Loan originated prior
to October 1, 2002 that is subject to a prepayment penalty, such prepayment
penalty does not extend beyond five years after the date of origination. For any
Mortgage Loan originated on or following October 1, 2002 that is subject to a
prepayment penalty, such prepayment penalty does not extend beyond three years
after the date of origination. Any such prepayment penalty is enforceable and
was originated in compliance with all applicable federal, state, and local laws.
With respect to any Mortgage Loan that contains a provision permitting
imposition of a premium upon a prepayment prior to maturity: (i) prior to the
loan's origination, the Mortgagor agreed to such premium in exchange for a
monetary benefit, including but not limited to a rate or fee reduction, (ii)
prior to the loan's origination, the Mortgagor was offered the option of
obtaining a Mortgage Loan that did not require payment of such a premium, (iii)
the prepayment premium is disclosed to the Mortgagor in the loan documents
pursuant to applicable state and federal law, and (iv) notwithstanding any state
or federal law to the contrary, the Seller shall not impose such prepayment
premium in any instance when the mortgage debt is accelerated as the result of
the Mortgagor's default in making the loan payments;
(tt) With respect to each Mortgage Loan, the Seller has fully and
accurately furnished complete information on the related borrower credit files
on a monthly basis to Equifax, Experian and Trans Union Credit Information
Company, in accordance with the Fair Credit Reporting Act and its implementing
regulations;
(uu) The Mortgaged Property is lawfully occupied under applicable law, and
all inspections, licenses and certificates required to be made or issued with
respect to all occupied portions of the Mortgaged Property and, with respect to
the use and occupancy of the same, including but not limited to certificates of
occupancy and fire underwriting certificates, have been made or obtained from
the appropriate authorities;
(vv) Each Mortgage Loan constitutes a qualified mortgage under Section
860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1);
(ww) The Seller has complied with all applicable anti-money laundering
laws and regulations, including without limitation the USA Patriot Act of 2001
(collectively, the "ANTI-MONEY LAUNDERING LAWS"); the Seller has established an
anti-money laundering compliance program as required by the Anti-Money
Laundering Laws, has conducted the requisite due diligence in connection with
the origination of each Mortgage Loan for purposes of the Anti-Money Laundering
Laws, including with respect to the legitimacy of the applicable Mortgagor and
the origin of the assets used by the said Mortgagor to purchase the property in
question, and maintains, and will maintain, sufficient information to identify
the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. No
Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
"Executive Order") or the regulations promulgated by the Office of Foreign
Assets Control of the United States Department of the Treasury (the "OFAC
Regulations") or in violation of the Executive Order or the OFAC Regulations,
and no Mortgagor is subject to the provisions of such Executive Order or the
OFAC Regulations nor listed as a "blocked person" for purposes of the OFAC
Regulations;
(xx) No predatory or deceptive lending practices, including but not
limited to, the extension of credit to the applicable Mortgagor without regard
for said Mortgagor's ability to repay the Mortgage Loan and the extension of
credit to said Mortgagor which has no apparent benefit to said Mortgagor, were
employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the
anti-predatory lending eligibility for purchase requirements of the ▇▇▇▇▇▇ ▇▇▇
Guides;
(yy) No Mortgage Loan is a "High Cost Home Loan" as defined in the Georgia
Fair Lending Act, as amended (the "Georgia Act") or the New York Banking Law
6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(zz) No Mortgage Loan (a) is secured by property located in the State of
New York; (b) had an unpaid principal balance at origination of $300,000 or
less, and (c) has an application date on or after April 1, 2003, the terms of
which Mortgage Loan equal or exceed either the APR or the points and fees
threshold for "high-cost home loans," as defined in Section 6-L of the New York
State Banking Law;
(aaa) No Mortgagor was encouraged or required to select a Mortgage Loan
product offered by the Mortgage Loan's originator which is a higher cost product
designed for less creditworthy borrowers, unless at the time of the Mortgage
Loan's origination, such Mortgagor did not qualify taking into account credit
history and debt to income ratios for a lower cost credit product then offered
by the Mortgage Loan's originator or any affiliate of the Mortgage Loan's
originator. If, at the time of loan application, the Mortgagor may have
qualified for a for a lower cost credit product then offered by any mortgage
lending affiliate of the Mortgage Loan's originator, the Mortgage Loan's
originator referred the Mortgagor's application to such affiliate for
underwriting consideration;
(bbb) The methodology used in underwriting the extension of credit for
each Mortgage Loan employs objective mathematical principles which relate the
Mortgagor's income, assets and liabilities to the proposed payment and such
underwriting methodology does not rely on the extent of the Mortgagor's equity
in the collateral as the principal determining factor in approving such credit
extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the Mortgagor had a reasonable ability to
make timely payments on the Mortgage Loan;
(ccc) All fees and charges (including finance charges) and whether or not
financed, assessed, collected or to be collected in connection with the
origination and servicing of each Loan have been disclosed in writing to the
Mortgagor in accordance with applicable state and federal law and regulation;
(ddd) With respect to each Co-op Loan, the related Mortgage is a valid,
enforceable and subsisting first security interest on the related cooperative
shares securing the related cooperative note, subject only to (a) liens of the
cooperative for unpaid assessments representing the Mortgagor's pro rata share
of the cooperative's payments for its blanket mortgage, current and future real
property taxes, insurance premiums, maintenance fees and other assessments to
which like collateral is commonly subject and (b) other matters to which like
collateral is commonly subject which do not materially interfere with the
benefits of the security intended to be provided by the Security Agreement.
There are no liens against or security interest in the cooperative shares
relating to each Co-op Loan (except for unpaid maintenance, assessments and
other amounts owed to the related cooperative which individually or in the
aggregate will not have a material adverse effect on such Co-op Loan), which
have priority over the Seller's security interest in such cooperative shares;
(eee) With respect to each Co-op Loan, a search for filings of financing
statements has been made by a company competent to make the same, which company
is acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac and is qualified to do business in
the jurisdiction where the cooperative unit is located, and such search has not
found anything which would materially and adversely affect the Co-op Loan;
(fff) With respect to each Co-op Loan, the related cooperative corporation
that owns title to the related cooperative apartment building is a "cooperative
housing corporation" within the meaning of Section 216 of the Code, and is in
material compliance with applicable federal, state and local laws which, if not
complied with, could have a material adverse effect on the Mortgaged Property;
(ggg) With respect to each Co-op Loan, there is no prohibition against
pledging the shares of the cooperative corporation or assigning the Co-op Lease;
(hhh) All points and fees related to each Mortgage Loan were disclosed in
writing to the related Mortgagor in accordance with applicable state and federal
law and regulations. Except in the case of a Mortgage Loan in an original
principal amount of less than $60,000 which would have resulted in an
unprofitable origination, no related Mortgagor was charged "points and fees"
(whether or not financed) in an amount greater than 5% of the principal amount
of such Mortgage Loan, such 5% limitation is calculated in accordance with
▇▇▇▇▇▇ Mae's anti-predatory lending requirements as set forth in the ▇▇▇▇▇▇ ▇▇▇
Selling Guide;
(iii) With respect to each Buydown Loan:
(i) On or before the date of origination of such Mortgage Loan,
the Seller and the Mortgagor, or the Seller, the Mortgagor and
the seller of the Mortgaged Property or a third party entered
into a Buydown Agreement. The Buydown Agreement provides that
the seller of the Mortgaged Property (or third party) shall
deliver to the Seller Buydown Funds in an amount equal to the
aggregate undiscounted amount of payments that, when added to
the amount the Mortgagor on such Mortgage Loan is obligated to
pay on each Due Date in accordance with the terms of the
Buydown Agreement, is equal to the full scheduled Monthly
Payment due on such Mortgage Loan;
(ii) The Mortgage and the Note reflect the permanent payment terms
rather than the payment terms of the Buydown Agreement. The
Buydown Agreement provides for the payment by the Mortgagor of
the full amount of the Monthly Payment on any Due Date that
the Buydown Funds are not available. The Buydown Funds were
not used to reduce the original principal balance of the
Mortgage Loan or to increase the Appraised Value of the
Mortgaged Property when calculating the LTV for purposes of
this Agreement and, if the Buydown Funds were provided by the
Seller and if required under ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac
guidelines, the terms of the Buydown Agreement were disclosed
to the appraiser of the Mortgaged Property;
(iii) The Buydown Funds may not be refunded to the Mortgagor unless
the Mortgagor makes a principal payment for the outstanding
balance of the related Mortgage Loan; and
(iv) As of the date of origination of the Mortgage Loan, the
provisions of the related Buydown Agreement complied with the
requirements of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac regarding buydown
agreements.
(jjj) No Mortgage Loan is a "High Cost Home Loan" as defined in the
Arkansas Home Loan Protection Act effective July 14, 2003 (Act 1340 or 2003);
(kkk) No Mortgage Loan is a "High Cost Home Loan" as defined in the
Kentucky high-cost loan statute effective June 25, 2003 (Ky. Rev. Stat. Section
360.100);
(lll) No Mortgage Loan secured by property located in the State of Nevada
is a "home loan" as defined in the Nevada Assembly ▇▇▇▇ No. 284;
(mmm) No Mortgage Loan originated in the City of Oakland is subject to the
City of Oakland, California Ordinance 12361, (the "Ordinance") as a home loan;
(nnn) No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home
Ownership and Equity Protection Act;
(ooo) No Mortgage Loan is a "High-Risk Home Loan" as defined in the
Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat.
137/1 et seq.);
(ppp) No Mortgage Loan is a "High-Cost Home Loan" as defined in the New
Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. ▇▇▇.
▇▇.▇▇. 58-21A-1 et seq.);
(qqq) No Mortgage Loan is a "High-Cost Home Loan" under the New Jersey
Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage Loan
subject to the NJ Act is considered under the NJ Act as, either, a (1) purchase
money Home Loan, (2) purchase money Covered Loan (with respect to Mortgage Loans
which were originated between November 26, 2003 and July 7, 2004), or (3) a
rate/term refinance Home Loan;
(rrr) No Mortgage Loan originated in the city of Los Angeles, California
on or after the effective date of the Los Angeles, California anti-predatory
lending ordinance is a "high-cost refinance home loan" under such ordinance;
(sss) No Mortgage Loan that is secured by property located within the
State of Maine meets the definition of a (i) "high-rate, high-fee" mortgage loan
under Article VIII, Title 9-A of the Maine Consumer Credit Code or (ii)
"High-Cost Home Loan" as defined under the Maine House ▇▇▇▇ 383 ▇.▇. 494,
effective as of September 13, 2003;
(ttt) With respect to any Mortgage Loan originated on or after August 1,
2004, no Mortgagor agreed to submit to arbitration to resolve any dispute
arising out of or relating in any way to the Mortgage Loan transaction;
(uuu) No Mortgage Loan was made in connection with (A) the construction or
rehabilitation of a Mortgaged Property or (B) facilitating the trade-in or
exchange of a Mortgaged Property;
(vvv) Each Mortgage Loan is eligible for sale in the secondary mortgage
market or for securitization without unreasonable credit enhancement;
(www) No Mortgage Loan is a "High-Cost Home Mortgage Loan" as defined in
the Massachusetts Predatory Home Loan Practices Act, effective November 6, 2004
(Mass. ▇▇▇. Laws Ch. 183C);
(xxx) With respect to any Mortgage Loan for which a mortgage loan
application was submitted by the Mortgagor after April 1, 2004, no such Mortgage
Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage
Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other
charges) in excess of 3.0% of the original principal balance of the Mortgage
Loan; and
(yyy) The Mortgagor has not made or caused to be made any payment in the
nature of an `average' or `yield spread premium' to a mortgage broker or a like
Person which has not been fully disclosed to the Mortgagor.
SECTION 3.2 REPRESENTATIONS OF SELLER AS OF THE FUNDING DATE
Seller hereby represents and warrants to Purchaser as of each Funding
Date:
(a) Seller is a corporation duly organized, validly existing, and in good
standing under the laws of the state of its formation, and has all licenses
necessary to carry on its business as now being conducted and is licensed,
qualified and in good standing in the states where the Mortgaged Properties are
located if the laws of such states require licensing or qualification in order
to conduct business of the type conducted by Seller and to the extent necessary
to ensure the enforceability of each Mortgage Loan in accordance with this
Agreement; Seller has the corporate power and authority to hold each Mortgage
Loan, to sell each Mortgage Loan, to enter into, execute, and deliver this
Agreement and all documents and instruments executed and delivered pursuant
hereto and to perform its obligations in accordance therewith; the execution,
delivery, and performance of this Agreement by Seller and the consummation of
the transactions contemplated hereby have been duly and validly authorized; this
Agreement evidences the valid, binding and enforceable obligations of Seller;
and all requisite corporate action has been taken by Seller to make this
Agreement valid and binding upon Seller in accordance with its terms.
(b) No consent, approval, authorization, or order of any court or
governmental agency or body relating to the transactions contemplated by this
Agreement and the transfer of legal title to the Mortgage Loans to Purchaser, is
required as to Seller or, if required, such consent, approval, authorization, or
order has been or will, prior to the Funding Date, be obtained except for any
recordations of Assignments of Mortgages to or for the benefit of Purchaser
pursuant to this Agreement. No licenses or approvals obtained by Seller have
been suspended or revoked by any court, administrative agency, arbitrator or
governmental body and no proceedings are pending which might result in such
suspension or revocation.
(c) The consummation of the transactions contemplated by this Agreement,
including, without limitation, the transfer and assignment of the Mortgage Loans
to or for the benefit of Purchaser pursuant to this Agreement and the
fulfillment of or compliance with the terms and conditions of this Agreement,
are in the ordinary course of business of Seller, are not subject to the bulk
transfer or any similar statutory provision, and will not result in the breach
of any term or provision of the articles of incorporation or bylaws of Seller or
result in the breach of any term or provision of, or conflict with or constitute
a default under, or result in the acceleration of any obligation under, any
agreement, indenture, Mortgage Loan or credit agreement, or other instrument to
which Seller or its property is subject, or result in the violation of any law,
rule, regulation, order, judgment, or decree to which Seller or its property is
subject.
(d) There is no action, suit, proceeding or investigation pending or
threatened against Seller which, either in any one instance or in the aggregate
would be reasonably likely to result in any material impairment of the right or
ability of Seller to carry on its business substantially as now conducted, or
which would create any material liability for Seller, or which would draw into
question the validity of this Agreement, or the Mortgage Loans, or of any action
taken or to be taken in connection with the obligations of Seller contemplated
herein or therein, including but not limited to the sale of the Mortgage Loans,
or which would be likely to impair materially the ability of Seller to perform
its obligations hereunder or thereunder.
(e) Seller is a HUD approved mortgagee pursuant to Section 203 of the
National Housing Act. No event has occurred, including but not limited to a
change in insurance coverage, which would make the Seller unable to comply with
HUD eligibility requirements or which would require notification to HUD.
(f) Seller does not believe, nor does it have any reason or cause to
believe, that it cannot perform each and every covenant contained in this
Agreement. Seller is solvent, and the sale of the Mortgage Loans will not cause
Seller to become insolvent. The sale of the Mortgage Loans is not undertaken
with the intent to hinder, delay or defraud any of Seller's creditors.
(g) Seller is not in default with respect to any order, judgment, writ,
injunction or decree of any court or any order, demand or regulation of any
federal, state, municipal or governmental agency, which default might have
consequences that would materially and adversely affect the condition (financial
or otherwise) or operations of Seller or its properties or might have
consequences that would affect its performance hereunder.
(h) The origination, servicing and collection practices used by the Seller
and any prior originator or servicer with respect to such Mortgage Loan have
been in all material respects legal, proper, prudent and customary in the
mortgage origination and servicing business. The servicing and collection
practices used by the Seller and any prior servicer with respect to such
Mortgage Loan have been in all material respects in compliance with the ▇▇▇▇▇▇
▇▇▇ Guide.
(i) The consideration received by the Seller upon the sale of the Mortgage
Loans constitutes fair consideration and reasonably equivalent value for such
Mortgage Loan.
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006, ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and Novelle Financial
Services, Inc. (the "COMPANY"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
1. The Assignor hereby assigns to the Assignee (a) all of the
right, title and interest of the Assignor, as purchaser, in, to and under,
except as described below, that certain Master Seller's Purchase, Warranties and
Interim Servicing Agreement dated as of January 1, 2005 as amended (the
"PURCHASE AGREEMENT"), between the Assignor, as purchaser (the "PURCHASER"), and
the Company, as seller, solely insofar as the Purchase Agreement relates to
those mortgage loans set forth on the schedule (the "MORTGAGE LOAN SCHEDULE")
attached hereto as EXHIBIT A (the "MORTGAGE LOANS") and (b) other than as
provided below with respect to the enforcement of representations and
warranties, none of the obligations of the Assignor under the Purchase
Agreement.
The Assignor specifically reserves and does not assign to the
Assignee hereunder any and all right, title and interest in, to and under and
any obligations of the Assignor with respect to any mortgage loans subject to
the Purchase Agreement which are not the Mortgage Loans set forth on the
Mortgage Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
2. From and after the date hereof, the Company shall and does
hereby recognize that the Assignee will transfer the Mortgage Loans and assign
its rights under the Purchase Agreement (solely to the extent set forth herein)
and this Agreement to MASTR Asset Backed Securities Trust 2006-HE1 (the "TRUST")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "POOLING AGREEMENT"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer (in such capacity, the "MASTER SERVICER") and trust
administrator (in such capacity, the "TRUST ADMINISTRATOR") as servicer (in such
capacity, the "SERVICER"), JPMorgan Chase Bank, National Association, as
servicer (in such capacity, the "SERVICER") and U.S. Bank National Association,
as trustee (including its successors in interest and any successor trustees
under the Pooling Agreement, the "TRUSTEE"). The Company hereby acknowledges and
agrees that from and after the date hereof (i) the Trust will be the owner of
the Mortgage Loans, (ii) the Company shall look solely to the Trust for
performance of any obligations of the Assignor insofar as they relate to the
enforcement of the representations, warranties and covenants with respect to the
Mortgage Loans, (iii) the Trust (including the Trustee, the Trust Administrator
and the Master Servicer acting on the Trust's behalf) shall have all the rights
and remedies available to the Assignor, insofar as they relate to the Mortgage
Loans, under the Purchase Agreement, including, without limitation, the
enforcement of the document delivery requirements and remedies with respect to
breaches of representations and warranties set forth in the Purchase Agreement,
and shall be entitled to enforce all of the obligations of the Company
thereunder insofar as they relate to the Mortgage Loans, and (iv) all references
to the Purchaser (insofar as they relate to the rights, title and interest and,
with respect to obligations of the Purchaser, only insofar as they relate to the
enforcement of the representations, warranties and covenants of the Company) or
the Custodian under the Purchase Agreement insofar as they relate to the
Mortgage Loans, shall be deemed to refer to the Trust (including the Trustee,
the Trust Administrator and the Master Servicer acting on the Trust's behalf).
Neither the Company nor the Assignor shall amend or agree to amend, modify,
waiver, or otherwise alter any of the terms or provisions of the Purchase
Agreement which amendment, modification, waiver or other alteration would in any
way affect the Mortgage Loans or the Company's performance under the Purchase
Agreement with respect to the Mortgage Loans without the prior written consent
of the Trustee and the Trust Administrator.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
3. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) Attached hereto as EXHIBIT B is a true and accurate copy
of the representations and warranties set forth in Sections 3.01 and
3.02 of the Purchase Agreement, which Purchase Agreement is in full
force and effect as of the date hereof and the provisions of which
have not been waived, amended or modified in any respect, nor has
any notice of termination been given thereunder;
(b) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(c) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(d) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement except as has already been obtained; and
(e) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
4. Pursuant to Section 8.01(b)(iii) of the Purchase Agreement,
the Company hereby represents and warrants, for the benefit of the Assignor, the
Assignee and the Trust, that the representations and warranties set forth in
Sections 3.01 and 3.02 of the Purchase Agreement, are true and correct as of the
date hereof as if such representations and warranties were made on the date
hereof; provided, however, the representations and warranties set forth in
Sections 3.02(c) (other than the third clause therein), (d), (e), (g), (i)
(other than the last sentence therein), (j), (m), (n), (o), (p), (r), (w), (z),
(ff), (hh) and (ccc) of the Purchase Agreement are re-made as of the date hereof
only based on the Company's actual knowledge with respect to acts or omissions
following March 1, 2005 (the "Servicing Transfer Date").
5. The Assignor hereby makes the following representation and
warranty as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws;
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E); and
(d) There is no Mortgage Loan that was originated on or after
March 7, 2003, which is a "high cost home loan" as defined under the
Georgia Fair Lending Act.
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
6. The Company hereby acknowledges and agrees that the remedies
available to the Assignor, the Assignee and the Trust (including the Trustee and
the Master Servicer acting on the Trust's behalf) in connection with any breach
of the representations and warranties made by the Company set forth in Sections
3 and 4 hereof shall be as set forth in Subsection 3.03 of the Purchase
Agreement as if they were set forth herein (including without limitation the
repurchase and indemnity obligations set forth therein). The Company further
acknowledges and agrees that a breach of any one of the representations set
forth in Sections 3.02 (ee), (pp), (vv), (ccc), (ggg) and (ooo) of the Purchase
Agreement will be deemed to materially adversely affect the interest of the
certificateholders and shall require a repurchase of the affected Mortgage
Loans(s).
The Assignor hereby acknowledges and agrees that the remedies available
to the Assignee and the Trust (including the Trustee and the Master Servicer
acting on the Trust's behalf) in connection with any breach of the
representations and warranties made by the Assignor set forth in Section 5
hereof shall be as set forth in Section 2.03 of the Pooling Agreement as if they
were set forth herein. The Assignor hereby acknowledges and agrees that a breach
of any one of the representations set forth in Section 5 above will be deemed to
materially adversely affect the interests of the certificateholders and shall
require a repurchase of the affected Mortgage Loan(s).
MISCELLANEOUS
7. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
8. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee and the Trust Administrator.
9. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee, the Trust Administrator and the Master Servicer acting on the Trust's
behalf). Any entity into which Assignor, Assignee or Company may be merged or
consolidated shall, without the requirement for any further writing, be deemed
Assignor, Assignee or Company, respectively, hereunder.
10. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
11. This Agreement may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
12. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
13. Capitalized terms used in this Agreement (including the
exhibits hereto) but not defined in this Agreement shall have the meanings given
to such terms in the Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:
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Name:
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Title:
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MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
By:
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Name:
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Title:
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NOVELLE FINANCIAL SERVICES, INC.
By:
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Name:
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Title:
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EXHIBIT A
Mortgage Loan Schedule
EXHIBIT B
Section 3.01 REPRESENTATIONS AND WARRANTIES OF THE COMPANY.
The Company represents, warrants and covenants to the Purchaser
that as of each Closing Date and as of each Servicing Transfer Date or as of
such date specifically provided herein:
(a) The Company is a corporation duly organized and validly
existing under the laws of Delaware. The Company has all licenses necessary to
carry out its business as now being conducted, and is licensed and qualified to
transact business in and is in good standing under the laws of each state in
which any Mortgaged Property is located or is otherwise exempt under applicable
law from such licensing or qualification or is otherwise not required under
applicable law to effect such licensing or qualification and no demand for such
licensing or qualification has been made upon the Company by any such state, and
in any event the Company is in compliance with the laws of any such state to the
extent necessary to ensure the enforceability of each Mortgage Loan and the
interim servicing of the Mortgage Loans in accordance with the terms of this
Agreement. No licenses or approvals obtained by the Company have been suspended
or revoked by any court, administrative agency, arbitrator or governmental body
and no proceedings are pending which might result in such suspension or
revocation;
(b) The Company has the full power and authority and legal right
to hold, transfer and convey each Mortgage Loan, to sell each Mortgage Loan and
to execute, deliver and perform, and to enter into and consummate all
transactions contemplated by this Agreement and the related Confirmation and to
conduct its business as presently conducted; the Company has duly authorized the
execution, delivery and performance of this Agreement and any agreements
contemplated hereby, has duly executed and delivered this Agreement and the
related Confirmation, and any agreements contemplated hereby, and this Agreement
and the related Confirmation and each Assignment of Mortgage to the Purchaser
and any agreements contemplated hereby, constitute the legal, valid and binding
obligations of the Company, enforceable against it in accordance with their
respective terms, except as such enforceability may be limited by bankruptcy,
insolvency, moratorium, reorganization and similar laws, and by equitable
principles affecting the enforceability of the rights of creditors; and all
requisite corporate action has been taken by the Company to make this Agreement,
the related Confirmation and all agreements contemplated hereby valid and
binding upon the Company in accordance with their terms;
(c) Neither the execution and delivery of this Agreement, the
related Confirmation, the sale of the Mortgage Loans to the Purchaser, the
consummation of the transactions contemplated hereby, nor the fulfillment of or
compliance with the terms and conditions of this Agreement and the related
Confirmation will conflict with any of the terms, conditions or provisions of
the Company's charter or by-laws or materially conflict with or result in a
material breach of any of the terms, conditions or provisions of any legal
restriction or any agreement or instrument to which the Company is now a party
or by which it is bound, or constitute a default or result in an acceleration
under any of the foregoing, or result in the material violation of any law,
rule, regulation, order, judgment or decree to which the Company or its property
is subject;
(d) There is no litigation, suit, proceeding or investigation
pending or threatened, or any order or decree outstanding, which is reasonably
likely to have a material adverse effect on the sale of the Mortgage Loans, the
execution, delivery, performance or enforceability of this Agreement or the
related Confirmation, or which is reasonably likely to have a material adverse
effect on the financial condition of the Company. Furthermore, other than as
provided to the Purchaser in writing by the Seller, there is no legal proceeding
pending (or known to be contemplated by governmental authorities) against the
Seller of the Mortgage Loans that is material to any securityholder of any
securitization affected by the Purchaser that is required to be disclosed by the
Purchaser or any affiliate of the Purchaser as provided in Item 1117 of
Regulation AB;
(e) No consent, approval, authorization or order of any court or
governmental agency or body is required for the execution, delivery and
performance by the Company of or compliance by the Company with this Agreement
and the related Confirmation, except for consents, approvals, authorizations and
orders which have been obtained;
(f) The consummation of the transactions contemplated by this
Agreement and the related Confirmation are in the ordinary course of business of
the Company, and the transfer, assignment and conveyance of the Mortgage Notes
and the Mortgages by the Company pursuant to this Agreement and the related
Confirmation are not subject to bulk transfer or any similar statutory
provisions in effect in any applicable jurisdiction;
(g) The origination, servicing and collection practices with
respect to each Mortgage Note and Mortgage have been legal and in accordance
with applicable laws and regulations, and in all material respects in accordance
with Accepted Servicing Practices. The Company further represents and warrants
that: with respect to escrow deposits and payments that the Company is entitled
to collect, all such payments are in the possession of, or under the control of,
the Company or its delegate, and there exist no deficiencies in connection
therewith for which customary arrangements for repayment thereof have not been
made; all escrow payments have been collected and are being maintained in full
compliance with applicable state and federal law and the provisions of the
related Mortgage Note and Mortgage; as to any Mortgage Loan that is the subject
of an escrow, escrow of funds is not prohibited by applicable law and has been
established in an amount sufficient to pay for every escrowed item that remains
unpaid and has been assessed but is not yet due and payable; no escrow deposits
or other charges or payments due under the Mortgage Note have been capitalized
under any Mortgage or the related Mortgage Note; all Mortgage Interest Rate
adjustments have been made in strict compliance with state and federal law and
the terms of the related Mortgage Note; and any interest required to be paid
pursuant to state and local law has been properly paid and credited;
(h) The Company has not used selection procedures that identified
the Mortgage Loans as being less desirable or valuable than other comparable
mortgage loans in the Company's portfolio at the related Closing Date;
(i) The Company will treat the transfer of the Mortgage Loans to
the Purchaser as a sale for reporting and accounting purposes and, to the extent
appropriate, for federal income tax purposes. The Company shall maintain a
complete set of books and records for each Mortgage Loan which shall be clearly
marked to reflect the ownership of such Mortgage Loan by the Purchaser;
(j) The Company is a seller/servicer of residential mortgage
loans for prudent investors in the secondary market and HUD, with such
facilities, procedures and personnel necessary for the sound servicing of such
mortgage loans. The Company is duly qualified, licensed, registered and
otherwise authorized under all applicable federal, state and local laws and
regulations and is in good standing to sell mortgage loans to and service
mortgage loans for prudent investors in the secondary market and no event has
occurred which would make the Company unacceptable to such prudent investors in
the secondary market;
(k) The Company does not believe, nor does it have any cause or
reason to believe, that it cannot perform each and every covenant contained in
this Agreement and the related Confirmation applicable to it. The Company is
solvent and the sale of the Mortgage Loans will not cause the Company to become
insolvent. The sale of the Mortgage Loans is not undertaken with the intent to
hinder, delay or defraud any of the Company's creditors;
(l) No statement, tape, diskette, form, report or other document
prepared by, or on behalf of, the Company pursuant to this Agreement, the
related Confirmation or in connection with the transactions contemplated hereby,
contains or will contain any statement that is or will be inaccurate or
misleading in any material respect. The Company has prudently originated and
underwritten each Mortgage Loan;
(m) The consideration received by the Company upon the sale of
the Mortgage Loans constitutes fair consideration and reasonably equivalent
value for such Mortgage Loans;
(n) The Company has delivered to the Purchaser financial
statements as to its last two complete fiscal years. All such financial
statements fairly present the pertinent results of operations and changes in
financial position for each of such periods and the financial position at the
end of each such period of the Company and its subsidiaries and have been
prepared in accordance with GAAP consistently applied throughout the periods
involved, except as set forth in the notes thereto. There has been no change in
the business, operations, financial condition, properties or assets of the
Company since the date of the Company's financial statements that would have a
material adverse effect on its ability to perform its obligations under this
Agreement or the related Confirmation;
(o) The Company has not dealt with any broker, investment banker,
agent or other person that may be entitled to any commission or compensation in
connection with the sale of the Mortgage Loans; and
(p) The Company is a member of MERS in good standing, and will
comply in all material respects with the rules and procedures of MERS in
connection with the servicing of the MERS Mortgage Loans for as long as such
Mortgage Loans are registered with MERS.
(q) As of the date of each Pass-Through Transfer, and except as
has been otherwise disclosed to the Purchaser: (1) there are no aspects of the
Seller's financial condition that could have a material adverse impact on the
performance by the Seller of its obligations hereunder; (2) there are no legal
proceedings pending, or known to be contemplated by governmental authorities,
against the Seller that could be material to investors in the securities issued
in such Pass-Through Transfer; and (3) there are no affiliations, relationships
or transactions relating to the Seller of a type that are described under Item
1119 of Regulation AB.
Section 3.02 REPRESENTATIONS AND WARRANTIES AS TO INDIVIDUAL
MORTGAGE LOANS.
The Company hereby represents and warrants to the Purchaser, as
to each Mortgage Loan, as of the related Closing Date and as of the related
Servicing Transfer Date as follows:
(a) The information set forth in the related Mortgage Loan
Schedule, including any diskette or other related data tapes sent to the
Purchaser, is complete, true and correct in all material respects;
(b) The Mortgage creates a (A) first lien and first priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B)
second lien and second priority security interest with respect to each Mortgage
Loan which is indicated by the Company to be a Second Lien (as reflected on the
Mortgage Loan Schedule), in either case, in the related Mortgaged Property
securing the related Mortgage Note;
(c) All payments due on or prior to the related Closing Date for
such Mortgage Loan have been made as of the related Closing Date, the Mortgage
Loan is not delinquent in payment more than 30 days and has not been dishonored;
there are no material defaults under the terms of the Mortgage Loan; the Company
has not advanced funds, or induced, solicited or knowingly received any advance
of funds from a party other than the owner of the Mortgaged Property subject to
the Mortgage, directly or indirectly, for the payment of any amount required by
the Mortgage Loan; no payment with respect to each Mortgage Loan has been
delinquent during the preceding twelve-month period;
(d) All taxes, governmental assessments, insurance premiums,
water, sewer and municipal charges, leasehold payments or ground rents which
previously became due and owing have been paid, or escrow funds have been
established in an amount sufficient to pay for every such escrowed item which
remains unpaid and which has been assessed but is not yet due and payable;
(e) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments which have been recorded to the extent any such recordation is
required by law. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, from the
terms thereof except in connection with an assumption agreement and which
assumption agreement is part of the Mortgage File and the terms of which are
reflected in the related Mortgage Loan Schedule; the substance of any such
waiver, alteration or modification has been approved by the issuer has been
approved by the issuer of any related title insurance policy, to the extent
required by the related policy.
(f) The Mortgage Note and the Mortgage are not subject to any
right of rescission, set-off, counterclaim or defense, including, without
limitation, the defense of usury, nor will the operation of any of the terms of
the Mortgage Note or the Mortgage, or the exercise of any right thereunder,
render the Mortgage Note or Mortgage unenforceable, in whole or in part, or
subject to any right of rescission, set-off, counterclaim or defense, including
the defense of usury, and no such right of rescission, set-off, counterclaim or
defense has been asserted with respect thereto; and the Mortgagor was not a
debtor in any state or federal bankruptcy or insolvency proceeding at the time
the Mortgage Loan was originated;
(g) All buildings or other customarily insured improvements upon
the Mortgaged Property are insured by an insurer acceptable under the ▇▇▇▇▇▇ ▇▇▇
Guides, against loss by fire, hazards of extended coverage and such other
hazards as are provided for in the ▇▇▇▇▇▇ Mae Guides or by the ▇▇▇▇▇▇▇ Mac
Guides, in an amount representing coverage not less than the lesser of (i) the
maximum insurable value of the improvements securing such Mortgage Loans, and
(ii) the greater of (a) either (1) the outstanding principal balance of the
Mortgage Loan with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (2)
with respect to each Second Lien Mortgage Loan, the sum of the outstanding
principal balance of the first lien on such Mortgage Loan and the outstanding
principal balance of such Second Lien Mortgage Loan, and (b) an amount such that
the proceeds thereof shall be sufficient to prevent the Mortgagor and/or the
mortgagee from becoming a co-insurer, but in no event greater than the maximum
amount permitted under applicable law. All such standard hazard policies are in
full force and effect and on the date of origination contained a standard
mortgagee clause naming the Company and its successors in interest and assigns
as loss payee and such clause is still in effect and all premiums due thereon
have been paid. If required by the Flood Disaster Protection Act of 1973, as
amended, the Mortgage Loan is covered by a flood insurance policy meeting the
requirements of the current guidelines of the Federal Insurance Administration
which policy conforms to ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac requirements, in an amount
not less than the amount required by the Flood Disaster Protection Act of 1973,
as amended. Such policy was issued by an insurer acceptable under ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac guidelines. The Mortgage obligates the Mortgagor thereunder to
maintain all such insurance at the Mortgagor's cost and expense, and upon the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain
such insurance at the Mortgagor's cost and expense and to seek reimbursement
therefor from the Mortgagor;
(h) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth-in-lending, real estate settlement
procedures, consumer credit protection, equal credit opportunity, fair housing,
predatory and abusive lending, or disclosure laws applicable to the Mortgage
Loan or any related Prepayment Penalty have been complied with in all material
respects and the consummation of the transactions contemplated hereby will not
involve the violation of any such laws;
(i) The Mortgage has not been satisfied, canceled or subordinated
(other than the subordination of any Second Lien Mortgage Loan to the related
First Lien), in whole or in part, or rescinded, and the Mortgaged Property has
not been released from the lien of the Mortgage, in whole or in part nor has any
instrument been executed that would effect any such release, cancellation,
subordination or rescission. The Company has not waived the performance by the
Mortgagor of any action, if the Mortgagor's failure to perform such action would
cause the Mortgage Loan to be in default, nor has the Company waived any default
resulting from any action or inaction by the Mortgagor;
(j) The related Mortgage is a valid, subsisting, enforceable and
perfected (A) first lien and first priority security interest with respect to
each Mortgage Loan which is indicated by the Company to be a First Lien (as
reflected on the Mortgage Loan Schedule), or (B) second lien and second priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule), in either case, on the Mortgaged Property including all buildings on
the Mortgaged Property and all installations and mechanical, electrical,
plumbing, heating and air conditioning systems affixed to such buildings, and
all additions, alterations and replacements made at any time with respect to the
foregoing securing the Mortgage Note's original principal balance. The Mortgage
and the Mortgage Note do not contain any evidence of any security interest or
other interest or right thereto. Such lien is free and clear of all adverse
claims, liens and encumbrances having priority over the first lien of the
Mortgage subject only to (1) the lien of non-delinquent current real property
taxes and assessments not yet due and payable, (2) covenants, conditions and
restrictions, rights of way, easements and other matters of the public record as
of the date of recording which are acceptable to mortgage lending institutions
generally and either (A) which are referred to or otherwise considered in the
appraisal made for the originator of the Mortgage Loan, or (B) which do not
adversely affect the appraised value of the Mortgaged Property as set forth in
such appraisal, (3) other matters to which like properties are commonly subject
which do not materially interfere with the benefits of the security intended to
be provided by the Mortgage or the use, enjoyment, value or marketability of the
related Mortgaged Property and (4) with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security
agreement, chattel mortgage or equivalent document related to and delivered in
connection with the Mortgage Loan establishes and creates a valid, subsisting,
enforceable and perfected (A) first lien and first priority security interest
with respect to each Mortgage Loan which is indicated by the Company to be a
First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and
second priority security interest with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule), in either case, on the property described therein, and
the Company has the full right to sell and assign the same to the Purchaser;
(k) The Mortgage Note and the related Mortgage are original and
genuine and each is the legal, valid and binding obligation of the maker
thereof, enforceable in all respects in accordance with its terms subject to
bankruptcy, insolvency, moratorium, reorganization and other laws of general
application affecting the rights of creditors and by general equitable
principles and the Company has taken all action necessary to transfer such
rights of enforceability to the Purchaser. All parties to the Mortgage Note and
the Mortgage had the legal capacity to enter into the Mortgage Loan and to
execute and deliver the Mortgage Note and the Mortgage. The Mortgage Note and
the Mortgage have been duly and properly executed by such parties. No fraud,
error, omission, misrepresentation, negligence or similar occurrence with
respect to a Mortgage Loan has taken place on the part of the Company or the
Mortgagor, or, on the part of any other party involved in the origination or
servicing of the Mortgage Loan. The proceeds of the Mortgage Loan have been
fully disbursed and there is no requirement for future advances thereunder, and
any and all requirements as to completion of any on-site or off-site
improvements and as to disbursements of any escrow funds therefor have been
complied with. All costs, fees and expenses incurred in making or closing the
Mortgage Loan and the recording of the Mortgage were paid or are in the process
of being paid, and the Mortgagor is not entitled to any refund of any amounts
paid or due under the Mortgage Note or Mortgage;
(l) The Company is the sole owner of record and holder of the
Mortgage Loan and the indebtedness evidenced by the Mortgage Note, and upon
recordation the Purchaser or its designee will be the owner of record of the
Mortgage and the indebtedness evidenced by the Mortgage Note, and upon the sale
of the Mortgage Loan to the Purchaser, the Company will retain the Servicing
File in trust for the Purchaser only for the purpose of interim servicing and
supervising the interim servicing of the Mortgage Loan. Immediately prior to the
transfer and assignment to the Purchaser on the related Closing Date, the
Mortgage Loan, including the Mortgage Note and the Mortgage, were not subject to
an assignment or pledge, and the Company had good and marketable title to and
was the sole owner thereof and had full right to transfer and sell the Mortgage
Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge,
charge, claim or security interest and has the full right and authority subject
to no interest or participation of, or agreement with, any other party, to sell
and assign the Mortgage Loan pursuant to this Agreement and following the sale
of the Mortgage Loan, the Purchaser will own such Mortgage Loan free and clear
of any encumbrance, equity, participation interest, lien, pledge, charge, claim
or security interest. The Company intends to relinquish all rights to possess,
control and monitor the Mortgage Loan, except for the purposes of servicing the
Mortgage Loan as set forth in this Agreement. Either the Mortgagor is a natural
person or the Mortgagor is an inter-vivos trust acceptable to ▇▇▇▇▇▇ Mae. With
respect to each inter-vivos trust, holding title to the Mortgaged Property in
such trust will not diminish any rights as a creditor including the right to
full title to the Mortgaged Property in the event foreclosure proceedings are
initiated;
(m) Each Mortgage Loan is covered by an ALTA lender's title
insurance policy issued by a title insurer acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇
Mac and qualified to do business in the jurisdiction where the Mortgaged
Property is located, insuring (subject to the exceptions contained in (j)(1),
(2) and (3) above and, with respect to each Mortgage Loan which is indicated by
the Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule) clause (4)) the Company, its successors and assigns, as to the first
(or, where applicable, second) priority lien of the Mortgage in the original
principal amount of the Mortgage Loan and, with respect to each Adjustable Rate
Mortgage Loan, against any loss by reason of the invalidity or unenforceability
of the lien resulting from the provisions of the Mortgage providing for
adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such
policy affirmatively insures ingress and egress to and from the Mortgaged
Property. Where required by applicable state law or regulation, the Mortgagor
has been given the opportunity to choose the carrier of the required mortgage
title insurance. The Company, its successors and assigns, are the sole insureds
of such lender's title insurance policy, such title insurance policy has been
duly and validly endorsed to the Purchaser or the assignment to the Purchaser of
the Company's interest therein does not require the consent of or notification
to the insurer and such lender's title insurance policy is in full force and
effect and will be in full force and effect upon the consummation of the
transactions contemplated by this Agreement and the related Confirmation. No
claims have been made under such lender's title insurance policy, and no prior
holder of the related Mortgage, including the Company, has done, by act or
omission, anything which would impair the coverage of such lender's title
insurance policy;
(n) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the related Mortgage Note and no
event which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or event
permitting acceleration; and neither the Company nor any prior mortgagee has
waived any default, breach, violation or event permitting acceleration. With
respect to each Mortgage Loan which is indicated by the Company to be a Second
Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First
Lien is in full force and effect, (ii) there is no default, breach, violation or
event of acceleration existing under such First Lien mortgage or the related
mortgage note, (iii) to the best of Company's knowledge, no event which, with
the passage of time or with notice and the expiration of any grace or cure
period, would constitute a default, breach, violation or event of acceleration
thereunder, and either (A) the First Lien mortgage contains a provision which
allows or (B) applicable law requires, the mortgagee under the Second Lien
Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to
cure any default by payment in full or otherwise under the First Lien mortgage;
(o) There are no mechanics' or similar liens or claims which have
been filed for work, labor or material (and no rights are outstanding that under
law could give rise to such liens) affecting the related Mortgaged Property
which are or may be liens prior to or equal to the lien of the related Mortgage
which are not insured against under the related title policy;
(p) All improvements subject to the Mortgage which were
considered in determining the Appraised Value of the Mortgaged Property lie
wholly within the boundaries and building restriction lines of the Mortgaged
Property (and wholly within the project with respect to a condominium unit) and
no improvements on adjoining properties encroach upon the Mortgaged Property
except those which are insured against by the title insurance policy referred to
in clause (m) above and all improvements on the property comply with all
applicable zoning and subdivision laws and ordinances;
(q) The Mortgage Loan was originated by or for the Company. The
Mortgage Loan complies with all the terms, conditions and requirements of the
Company's Underwriting Standards in effect at the time of origination of such
Mortgage Loan. The Mortgage Notes and Mortgages (exclusive of any riders) are on
forms acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac. The Mortgage Loan bears interest
at the Mortgage Interest Rate set forth in the related Mortgage Loan Schedule,
and Monthly Payments under the Mortgage Note are due and payable on the first
day of each month. The Mortgage contains the usual and enforceable provisions of
the originator at the time of origination for the acceleration of the payment of
the unpaid principal amount of the Mortgage Loan if the related Mortgaged
Property is sold without the prior consent of the mortgagee thereunder;
(r) The Mortgaged Property is not subject to any material damage
by waste, fire, earthquake, windstorm, flood or other casualty. At origination
of the Mortgage Loan there was, and there currently is, no proceeding pending
for the total or partial condemnation of the Mortgaged Property. There have not
been any condemnation proceedings with respect to the Mortgaged Property and to
the best of Seller's knowledge, there are no such proceedings scheduled to
commence at a future date;
(s) The related Mortgage contains customary and enforceable
provisions such as to render the rights and remedies of the holder thereof
adequate for the realization against the Mortgaged Property of the benefits of
the security provided thereby. There is no homestead or other exemption
available to the Mortgagor which would interfere with the right to sell the
Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;
(t) If the Mortgage constitutes a deed of trust, a trustee,
authorized and duly qualified if required under applicable law to act as such,
has been properly designated and currently so serves and is named in the
Mortgage, and no fees or expenses are or will become payable by the Purchaser to
the trustee under the deed of trust, except in connection with a trustee's sale
or attempted sale after default by the Mortgagor;
(u) The Mortgage File contains an appraisal of the related
Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, is on
appraisal form 1004 or form 2055 with an interior inspection, or (b) with
respect to Second Lien Mortgage Loans, is on appraisal form 704, 2065 or 2055,
and (c) with respect to (a) or (b) above was signed prior to the final approval
of the mortgage loan application by a Qualified Appraiser, who had no interest,
direct or indirect, in the Mortgaged Property or in any loan made on the
security thereof, and whose compensation is not affected by the approval or
disapproval of the Mortgage Loan, and the appraisal and appraiser both satisfy
the requirements of ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and Title XI of FIRREA and the
regulations promulgated thereunder, all as in effect on the date the Mortgage
Loan was originated. The appraisal is in a form acceptable to ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac;
(v) All parties which have had any interest in the Mortgage,
whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period
in which they held and disposed of such interest, were) (A) in compliance with
any and all applicable licensing requirements of the laws of the state wherein
the Mortgaged Property is located, and (B) (1) organized under the laws of such
state, or (2) qualified to do business in such state, or (3) federal savings and
loan associations or national banks or a Federal Home Loan Bank or savings bank
having principal offices in such state, or (4) not doing business in such state;
(w) The related Mortgage Note is not and has not been secured by
any collateral except the lien of the corresponding Mortgage and the security
interest of any applicable security agreement or chattel mortgage referred to in
(j) above and such collateral does not serve as security for any other
obligation;
(x) The Mortgagor has received all disclosure materials required
by applicable law with respect to the making of such mortgage loans;
(y) The Mortgage Loan does not contain "graduated payment"
features and does not have a shared appreciation or other contingent interest
feature; no Mortgage Loan contains any buydown provisions;
(z) The Mortgagor is not in bankruptcy and the Mortgagor is not
insolvent and the Company has no knowledge of any circumstances or condition
with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the
Mortgagor's credit standing that could reasonably be expected to cause investors
to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
Loan to become delinquent, or materially adversely affect the value or
marketability of the Mortgage Loan;
(aa) Principal payments on the Mortgage Loan commenced no more
than sixty (60) days after the funds were disbursed in connection with the
Mortgage Loan. The Mortgage Loans have an original term to maturity of not more
than 30 years, with interest payable in arrears on the first day of each month.
Each Mortgage Note requires a monthly payment which is sufficient to fully
amortize the original principal balance over the original term thereof (other
than during the interest-only period with respect to a Mortgage Loan identified
on the related Mortgage Loan Schedule as an interest-only Mortgage Loan) and to
pay interest at the related Mortgage Interest Rate. With respect to each
Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only
Mortgage Loan, the interest-only period does not exceed ten (10) years (or such
lesser period specified on the Mortgage Loan Schedule) and following the
expiration of such interest-only period, the remaining Monthly Payments shall be
sufficient to fully amortize the original principal balance over the remaining
term of the Mortgage Loan. No Mortgage Loan contains terms or provisions which
would result in negative amortization. No Mortgage Loan provides for the
capitalization or forbearance of interest;
(bb) No Mortgage Loan is subject to a lender-paid mortgage
insurance policy;
(cc) As to any Mortgage Loan which is not a MERS Mortgage Loan,
the Assignment of Mortgage is in recordable form and is acceptable for recording
under the laws of the jurisdiction in which the Mortgaged Property is located;
(dd) The Mortgaged Property is located in the state identified in
the related Mortgage Loan Schedule and consists of a single parcel of real
property with a detached single family residence erected thereon, or a
townhouse, or a two-to four-family dwelling, or an individual condominium unit
in a condominium project, or an individual unit in a planned unit development or
a de minimis planned unit development, provided, however, that no residence or
dwelling is a single parcel of real property with a cooperative housing
corporation erected thereon, or a mobile home. As of the date of origination, no
portion of the Mortgaged Property was used for commercial purposes, and since
the date or origination no portion of the Mortgaged Property has been used for
commercial purposes;
(ee) Except as set forth on the related Mortgage Loan Schedule,
none of the Mortgage Loans are subject to a Prepayment Penalty. For any Mortgage
Loan originated prior to October 1, 2002 that is subject to a Prepayment
Penalty, such prepayment penalty does not extend beyond five years after the
date of origination. For any Mortgage Loan originated on or following October 1,
2002 that is subject to a Prepayment Penalty, such prepayment penalty does not
extend beyond three years after the date of origination. Any such prepayment
penalty is enforceable and was originated in compliance with all applicable
federal, state, and local laws. Any such prepayment penalty is permissible and
enforceable in accordance with its terms upon the Mortgagor's full and voluntary
principal prepayment under applicable law.
(ff) The Mortgaged Property is lawfully occupied under applicable
law, and all inspections, licenses and certificates required to be made or
issued with respect to all occupied portions of the Mortgaged Property and, with
respect to the use and occupancy of the same, including but not limited to
certificates of occupancy and fire underwriting certificates, have been made or
obtained from the appropriate authorities;
(gg) If the Mortgaged Property is a condominium unit or a planned
unit development (other than a de minimis planned unit development), or stock in
a cooperative housing corporation, such condominium, cooperative or planned unit
development project meets the eligibility requirements of ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇
Mac;
(hh) There is no pending action or proceeding directly involving
the Mortgaged Property in which compliance with any environmental law, rule or
regulation is an issue; there is no violation of any environmental law, rule or
regulation with respect to the Mortgaged Property; and nothing further remains
to be done to satisfy in full all requirements of each such law, rule or
regulation constituting a prerequisite to use and enjoyment of said property;
(ii) The Mortgagor has not notified the Company requesting relief
under the Soldiers' and Sailors' Civil Relief Act of 1940 or the Servicemembers
Civil Relief Act, and the Company has no knowledge of any relief requested or
allowed to the Mortgagor under the Soldiers' and Sailors' Civil Relief Act of
1940 or the Servicemembers Civil Relief Act or any similar state laws;
(jj) As of the related Closing Date, no Mortgage Loan was in
construction or rehabilitation status or has facilitated the trade-in or
exchange of a Mortgaged Property;
(kk) No action has been taken or failed to be taken by the
originator or the Seller on or prior to the related Closing Date which has
resulted or will result in an exclusion from, denial of, or defense to coverage
under any insurance policy related to a Mortgage Loan (including, without
limitation, any exclusions, denials or defenses which would limit or reduce the
availability of the timely payment of the full amount of the loss otherwise due
thereunder to the insured) whether arising out of actions, representations,
errors, omissions, negligence, or fraud, or for any other reason under such
coverage;
(ll) The Mortgage Loan was originated by a savings and loan
association, a savings bank, a commercial bank, a credit union, an insurance
Seller, or similar institution which is supervised and examined by a federal or
state authority, or by a mortgagee approved by the Secretary of HUD pursuant to
Sections 203 and 211 of the National Housing Act;
(mm) No Mortgaged Property is subject to a ground lease;
(nn) With respect to any broker fees collected and paid on any of
the Mortgage Loans, all broker fees have been properly assessed to the Mortgagor
and no claims will arise as to broker fees that are double charged and for which
the Mortgagor would be entitled to reimbursement;
(oo) With respect to any Mortgage Loan as to which an affidavit
has been delivered to the Purchaser certifying that the original Mortgage Note
has been lost or destroyed and not been replaced, if such Mortgage Loan is
subsequently in default, the enforcement of such Mortgage Loan will not be
materially adversely affected by the absence of the original Mortgage Note;
(pp) Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(qq) Except as provided in Section 2.06, the Mortgage Note, the
Mortgage, the Assignment of Mortgage and the other Mortgage Loan Documents set
forth in Exhibit A-1 and required to be delivered on the related Closing Date
have been delivered to the Purchaser or its designee all in compliance with the
specific requirements of this Agreement. With respect to each Mortgage Loan, the
Company is in possession of a complete Mortgage File and Servicing File except
for such documents as have been delivered to the Purchaser or its designee;
(rr) All information supplied by, on behalf of, or concerning the
Mortgagor is true, accurate and complete and does not contain any statement that
is or will be inaccurate or misleading in any material respect;
(ss) To the best of Seller's knowledge, there does not exist on
the related Mortgaged Property any hazardous substances, hazardous wastes or
solid wastes, as such terms are defined in the Comprehensive Environmental
Response Compensation and Liability Act, the Resource Conservation and Recovery
Act of 1976, or other federal, state or local environmental legislation;
(tt) No Mortgage Loan had a Loan-to-Value Ratio at the time of
origination of more than 95% and no Mortgage Loan had a Combined Loan-to-Value
Ratio at the time of origination of more than 100%;
(uu) No Mortgage Loan is (a) subject to, covered by or in
violation of the Home Ownership and Equity Protection Act of 1994 ("HOEPA"), (b)
classified as a "high cost," "covered," "high risk home", "high-rate, high-fee,"
"threshold," or "predatory" loan under HOEPA or any other applicable state,
federal or local law, including any predatory or abusive lending laws (or a
similarly classified loan using different terminology under a law imposing
heightened scrutiny or additional legal liability for a residential mortgage
loan having high interest rates, points and/or fees), (c) a High Cost Loan or
Covered Loan, as applicable (as such terms are defined in the current version of
Standard & Poor's LEVELS(R) Glossary Revised, Appendix E) or (d) in violation of
any state law or ordinance comparable to HOEPA;
(vv) No Mortgagor was required to purchase any credit life,
disability, accident or health insurance product as a condition of obtaining the
extension of credit. No Mortgagor obtained a prepaid single premium credit life,
disability, unemployment, property, mortgage, accident or health insurance
policy in connection with the origination of the Mortgage Loan; None of the
proceeds of the Mortgage Loan were used to purchase or finance single-premium
credit life or disability insurance policies or any comparable insurance;
(ww) Any principal advances made to the Mortgagor prior to the
related Closing Date have been consolidated with the outstanding principal
amount secured by the Mortgage, and the secured principal amount, as
consolidated, bears a single interest rate and single repayment term. The lien
of the Mortgage securing the consolidated principal amount is expressly insured
as having (A) first lien priority with respect to each Mortgage Loan which is
indicated by the Company to be a First Lien (as reflected on the Mortgage Loan
Schedule), or (B) second lien priority with respect to each Mortgage Loan which
is indicated by the Company to be a Second Lien Mortgage Loan (as reflected on
the Mortgage Loan Data Transmission), in either case, by a title insurance
policy, an endorsement to the policy insuring the mortgagee's consolidated
interest or by other title evidence acceptable to ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac.
The consolidated principal amount does not exceed the original principal amount
of the Mortgage Loan;
(xx) Interest on each Mortgage Loan is calculated on the basis of
a 360-day year consisting of twelve 30-day months;
(yy) No Mortgage Loan is a Balloon Mortgage Loan;
(zz) With respect to each MERS Mortgage Loan, a MIN has been
assigned by MERS and such MIN is accurately provided on the related Mortgage
Loan Schedule. The related assignment of Mortgage to MERS has been duly and
properly recorded;
(aaa) With respect to each MERS Mortgage Loan, the Company has
not received any notice of liens or legal actions with respect to such Mortgage
Loan and no such notices have been electronically posted by MERS;
(bbb) Any Mortgaged Property that is considered manufactured
housing shall be legally classified as real property, is permanently affixed to
a foundation and must assume the characteristics of site-built housing and must
otherwise conform to the requirements of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac;
(ccc) With respect to each Mortgage Loan, the Company has fully
and accurately furnished complete information on the related borrower credit
files to Equifax, Experian and Trans Union Credit Information Company, in
accordance with the Fair Credit Reporting Act and its implementing regulations,
on a monthly basis and the Company will fully furnish, in accordance with the
Fair Credit Reporting Act and its implementing regulations, accurate and
complete information on its borrower credit files to Equifax, Experian, and
Trans Union Credit Information Company, on a monthly basis.
(ddd) The Company has complied with all applicable anti-money
laundering laws and regulations, including without limitation the USA Patriot
Act of 2001 (collectively, the "ANTI-MONEY LAUNDERING LAWS"); the Company has
established an anti-money laundering compliance program as required by the
Anti-Money Laundering Laws, has conducted the requisite due diligence in
connection with the origination of each Mortgage Loan for purposes of the
Anti-Money Laundering Laws, including with respect to the legitimacy of the
applicable Mortgagor and the origin of the assets used by the said Mortgagor to
purchase the property in question, and maintains, and will maintain, sufficient
information to identify the applicable Mortgagor for purposes of the Anti-Money
Laundering Laws. No Mortgage Loan is subject to nullification pursuant to
Executive Order 13224 (the "Executive Order") or the regulations promulgated by
the Office of Foreign Assets Control of the United States Department of the
Treasury (the "OFAC Regulations") or in violation of the Executive Order or the
OFAC Regulations, and no Mortgagor is subject to the provisions of such
Executive Order or the OFAC Regulations nor listed as a "blocked person" for
purposes of the OFAC Regulations;
(eee) With respect to each Mortgage Loan which is a Second Lien
Mortgage Loan (i) if the related first lien provides for negative amortization,
the LTV was calculated at the maximum principal balance of such first lien that
could result upon application of such negative amortization feature, and (ii)
either no consent for the Mortgage Loan is required by the holder of the first
lien or such consent has been obtained and is contained in the Mortgage File;
(fff) No predatory or deceptive lending practices, including but
not limited to, the extension of credit to the applicable Mortgagor without
regard for said Mortgagor's ability to repay the Mortgage Loan and the extension
of credit to said Mortgagor which has no apparent benefit to said Mortgagor,
were employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the
anti-predatory lending eligibility for purchase requirements of ▇▇▇▇▇▇ Mae's
Selling Guide;
(ggg) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Georgia Fair Lending Act, as amended (the "Georgia Act") or New York Banking
Law 6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(hhh) No Mortgagor was encouraged or required to select a
Mortgage Loan product offered by the Mortgage Loan's originator which is a
higher cost product designed for less creditworthy borrowers, unless at the time
of the Mortgage Loan's origination, such Mortgagor did not qualify taking into
account credit history and debt to income ratios for a lower cost credit product
then offered by the Mortgage Loan's originator or any affiliate of the Mortgage
Loan's originator.
(iii) The methodology used in underwriting the extension of
credit for each Mortgage Loan employs objective mathematical principles which
relate the Mortgagor's income, assets and liabilities to the proposed payment
and such underwriting methodology does not rely on the extent of the Mortgagor's
equity in the collateral as the principal determining factor in approving such
credit extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the Mortgagor had a reasonable ability to
make timely payments on the Mortgage Loan;
(jjj) All fees and charges (including finance charges) and
whether or not financed, assessed, collected or to be collected in connection
with the origination and servicing of each Mortgage Loan have been disclosed in
writing to the Mortgagor in accordance with applicable state and federal law and
regulation;
(kkk) All points and fees related to each Mortgage Loan were
disclosed in writing to the Mortgagor in accordance with applicable state and
federal law and regulation. Except in the case of a Mortgage Loan in an original
principal amount of less than $60,000 which would have resulted in an
unprofitable origination, no Mortgagor was charged "points and fees" (whether or
not financed) in an amount greater than 5% of the principal amount of such loan,
such 5% limitation is calculated in accordance with ▇▇▇▇▇▇ Mae's anti-predatory
lending requirements as set forth in the ▇▇▇▇▇▇ Mae Selling Guide;
(lll) The Company will transmit full-file credit reporting data
for each Mortgage Loan pursuant to ▇▇▇▇▇▇ ▇▇▇ Guide Announcement 95-19 and for
each Mortgage Loan, Company agrees it shall report one of the following statuses
each month as follows: new origination, current, delinquent (30-, 60-, 90-days,
etc.), foreclosed, or charged-off;
(mmm) Subject to the trade stipulations set forth in the related
Trade Confirmation, each Loan is eligible for sale in the secondary mortgage
market or for securitization without unreasonable credit enhancement;
(nnn) No Mortgage Loan is a "High-Cost Home Loan" under the New
Jersey Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage
Loan subject to the NJ Act is considered under the NJ Act as, either, a (1)
purchase money Home Loan, (2) purchase money Covered Loan (with respect to
Mortgage Loans which were originated between November 26, 2003 and July 7,
2004), or (3) a rate/term refinance Home Loan;
(ooo) No Mortgagor agreed to submit to arbitration to resolve any
dispute arising out of or relating in any way to the Mortgage Loan transaction;
(ppp) The Mortgagor has not made or caused to be made any payment
in the nature of an `average' or `yield spread premium' to a mortgage broker or
a like Person which has not been fully disclosed to the Mortgagor; and
(qqq) No Mortgage Loan secured by a Mortgaged Property located in
the Commonwealth of Massachusetts was made to pay off or refinance an existing
loan or other debt of the related borrower (as the term "borrower" is defined in
the regulations promulgated by the Massachusetts Secretary of State in
connection with the Massachusetts General Laws Chapter 183, Section 28C) unless
(a) the related Mortgage Interest Rate (that would be effective once the
introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did
or would not exceed by more than 2.50% the yield on United States Treasury
securities having comparable periods of maturity to the maturity of the related
Mortgage Loan as of the fifteenth day of the month immediately preceding the
month in which the application for the extension of credit was received by the
related lender or (b) the Mortgage Loan is an "open-end home loan" (as such term
is used in the Massachusetts General Laws Chapter 183, Section 28C or the
regulations promulgated in connection therewith) and the related Mortgage Note
provides that the related Mortgage Interest Rate may not exceed at any time the
Prime rate index as published in THE WALL STREET JOURNAL plus a margin of one
percent.
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006 ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and Equity Financial Inc.
(the "COMPANY"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
1. The Assignor hereby assigns to the Assignee (a) all of the
right, title and interest of the Assignor, as purchaser, in, to and under,
except as described below, that certain Master Mortgage Loan Sale Agreement
dated as of January 20, 2005 (the "PURCHASE Agreement"), between the Assignor,
as purchaser (the "PURCHASER"), and the Company, as seller, solely insofar as
the Purchase Agreement relates to the mortgage loans set forth on the schedule
(the "MORTGAGE LOAN SCHEDULE") attached hereto as EXHIBIT A (the "MORTGAGE
Loans") and (b) other than as provided below with respect to the enforcement of
representations and warranties, none of the obligations of the Assignor under
the Purchase Agreement.
The Assignor specifically reserves and does not assign to the
Assignee hereunder any and all right, title and interest in, to and under and
any obligations of the Assignor with respect to any mortgage loans subject to
the Purchase Agreement which are not the Mortgage Loans set forth on the
Mortgage Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
2. From and after the date hereof, the Company shall and does
hereby recognize that the Assignee will transfer the Mortgage Loans and assign
its rights under the Purchase Agreement (solely to the extent set forth herein)
and this Agreement to MASTR Asset Backed Securities Trust 2006-HE1 (the "TRUST")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "POOLING AGREEMENT"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer (in such capacity, the "MASTER SERVICER"), trust administrator
(in such capacity, the "TRUST ADMINISTRATOR") and as servicer (in such capacity,
the "SERVICER"), JPMorgan Chase Bank, National Association as servicer (in such
capacity, the "SERVICER") and U.S. Bank National Association, as trustee
(including its successors in interest and any successor trustees under the
Pooling Agreement, the "TRUSTEE"). The Company hereby acknowledges and agrees
that from and after the date hereof (i) the Trust will be the owner of the
Mortgage Loans, (ii) the Company shall look solely to the Trust for performance
of any obligations of the Assignor insofar as they relate to the enforcement of
the representations, warranties and covenants with respect to the Mortgage
Loans, (iii) the Trust (including the Trustee, the Trust Administrator and the
Master Servicer acting on the Trust's behalf) shall have all the rights and
remedies available to the Assignor, insofar as they relate to the Mortgage
Loans, under the Purchase Agreement, including, without limitation, the
enforcement of the document delivery requirements and remedies with respect to
breaches of representations and warranties set forth in the Purchase Agreement,
and shall be entitled to enforce all of the obligations of the Company
thereunder insofar as they relate to the Mortgage Loans, and (iv) all references
to the Purchaser (insofar as they relate to the rights, title and interest and,
with respect to obligations of the Purchaser, only insofar as they relate to the
enforcement of the representations, warranties and covenants of the Company) or
the Custodian under the Purchase Agreement insofar as they relate to the
Mortgage Loans, shall be deemed to refer to the Trust (including the Trustee,
the Trust Administrator and the Master Servicer acting on the Trust's behalf).
Neither the Company nor the Assignor shall amend or agree to amend, modify,
waiver, or otherwise alter any of the terms or provisions of the Purchase
Agreement which amendment, modification, waiver or other alteration would in any
way affect the Mortgage Loans or the Company's performance under the Purchase
Agreement with respect to the Mortgage Loans without the prior written consent
of the Trustee and the Trust Administrator.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
3. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) Attached hereto as EXHIBIT B is a true and accurate copy
of the representations and warranties set forth in Sections 3.1 and
3.2 of the Purchase Agreement, which Purchase Agreement is in full
force and effect as of the date hereof and the provisions of which
have not been waived, amended or modified in any respect, nor has
any notice of termination been given thereunder;
(b) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(c) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(d) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement except as has already been obtained; and
(e) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
4. Pursuant to Section 4.9(b)(v) of the Purchase Agreement, the
Company hereby represents and warrants, for the benefit of the Assignor, the
Assignee and the Trust, that the representations and warranties set forth in
Sections 3.1 of the Purchase Agreement, are true and correct as of the date
hereof as if such representations and warranties were made on the date hereof.
5. The Assignor hereby makes the following representation and
warranty as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws;
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E); and
(d) There is no Mortgage Loan that was originated on or after
March 7, 2003, which is a "high cost home loan" as defined under the
Georgia Fair Lending Act.
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
6. The Company hereby acknowledges and agrees that the remedies
available to the Assignor, the Assignee and the Trust (including the Trustee and
the Master Servicer acting on the Trust's behalf) in connection with any breach
of the representations and warranties made by the Company set forth in Sections
3 and 4 hereof shall be as set forth in Subsection 3.3 of the Purchase Agreement
as if they were set forth herein (including without limitation the repurchase
and indemnity obligations set forth therein). The Company further acknowledges
and agrees that a breach of any one of the representations set forth in Sections
3.1 (k), (ii), (ss), (tt), (yy) and (jjj) of the Purchase Agreement will be
deemed to materially adversely affect the interests of the certificateholders
and shall require a repurchase of the affected Mortgage Loan(s).
The Assignor hereby acknowledges and agrees that the remedies
available to the the Assignee and the Trust (including the Trustee and the
Master Servicer acting on the Trust's behalf) in connection with any breach of
the representations and warranties made by the Assignor set forth in Section 5
hereof shall be as set forth in Section 2.03 of the Pooling and Servicing
Agreement as if they were set forth herein (including without limitation the
repurchase obligations set forth therein). The Assignor hereby acknowledges and
agrees that a breach of any one of the representations set forth in Section 5
above will be deemed to materially adversely affect the interests of the
certificateholders and shall require a repurchase of the affected Mortgage
Loan(s).
MISCELLANEOUS
7. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
8. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee and the Trust Administrator.
9. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee, the Trust Administrator and the Master Servicer acting on the Trust's
behalf). Any entity into which Assignor, Assignee or Company may be merged or
consolidated shall, without the requirement for any further writing, be deemed
Assignor, Assignee or Company, respectively, hereunder.
10. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
11. This Agreement may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
12. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
13. Capitalized terms used in this Agreement (including the exhibits hereto) but
not defined in this Agreement shall have the meanings given to such terms in the
Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:_____________________________
Name:___________________________
Title:___________________________
MORTGAGE ASSET SECURITIZATION
TRANSACTIONS, INC.
By:_____________________________
Name:___________________________
Title:___________________________
EQUITY FINANCIAL INC.
By:_____________________________
Name:___________________________
Title:___________________________
EXHIBIT A
Mortgage Loan Schedule
EXHIBIT B
SECTION 3.1 INDIVIDUAL MORTGAGE LOANS
Seller hereby represents and warrants to and agrees with Purchaser that,
as to each Mortgage Loan, as of its respective Funding Date:
(a)The information with respect to such Mortgage Loan uploaded on the UBS
Website with respect to such Mortgage Loan is complete, true and correct in all
material respects;
(b) The Mortgage and the Mortgage Note have not been assigned or pledged,
and, immediately prior to the transfer thereof to the Purchaser pursuant to
Section 2.1, the Seller had good and marketable title thereto, and the Seller is
the sole owner and holder of such Mortgage Loan free and clear of any and all
liens, claims, encumbrances, participation interests, equities, pledges,
charges, or security interests of any nature and has full right and authority,
subject to no interest or participation of, or agreement with, any other party,
to sell and assign such Mortgage Loan pursuant to this Agreement. Upon the
transfer thereof to the Purchaser pursuant to Section 2.1, the Seller will have
taken all actions necessary on its part to be taken so that the Purchaser will
have good indefeasible title to, and will be sole owner of, the Mortgage and the
Mortgage Note, free and clear of any and all liens, claims, encumbrances,
participation interests, equities, pledges, charges, or security interests of
any nature, subject to bankruptcy, insolvency, moratorium, reorganization and
similar laws relating to or limiting the enforcement of creditor's rights
generally;
(c) For each Mortgage Loan that is not a Co-op Loan, the Mortgage is a
valid, subsisting and enforceable first lien on the Mortgaged Property including
all buildings, fixtures, installations and improvements to the Mortgaged
Property, and the Mortgaged Property is free and clear of all encumbrances and
liens having parity with or priority over the first lien of the Mortgage except
for (i) the lien of current real property taxes and assessments not yet due and
payable, (ii) covenants, conditions and restrictions, rights of way, easements,
mineral right reservations and other matters of public record as of the date of
recording of such Mortgage, such exceptions generally being acceptable under
prudent mortgage lending standards and specifically reflected in the appraisal
made in connection with the origination of such Mortgage Loan, and (iii) other
matters to which like properties are commonly subject that do not materially
interfere with the value, use, enjoyment or marketability of the Mortgaged
Property. With respect to a Mortgage Loan that is a Co-op Loan, the Mortgage
creates a first lien or a first priority ownership interest in the stock
ownership and leasehold rights associated with the cooperative unit securing the
related Mortgage Note;
(d) The terms of the Mortgage and the Mortgage Note have not been
impaired, waived, altered, or modified in any respect, except by a written
instrument which has been recorded, if necessary, to protect the interest of the
Purchaser and which has been delivered to the Purchaser. The substance of any
such alteration or modification has been approved, to the extent necessary, by
the insurer under the applicable mortgage title insurance policy;
(e) No instrument of release, waiver, alteration, or modification has been
executed in connection with such Mortgage Loan or Mortgaged Property, and no
Mortgagor has been released, in whole or in part, except in connection with an
assumption agreement which is part of the Mortgage File and has been delivered
to the Purchaser;
(f) There is no default, breach, violation, or event of acceleration
existing under the Mortgage or the Mortgage Note and no event which, with the
passage of time or with notice and the expiration of any grace or cure period,
would constitute such a default, breach, violation, or event of acceleration,
and neither the Seller nor any prior seller or servicer, has waived any such
default, breach, violation, or event of acceleration. All taxes, governmental
assessments (including assessments payable in future installments), water, sewer
and municipal charges, insurance premiums, leasehold payments, or ground rents
which previously became due and owing in respect of or affecting the related
Mortgaged Property have been paid, or an escrow of funds has been established in
an amount sufficient to pay for every such item which remains unpaid and which
has been assessed but is not yet due and payable. The Seller has not advanced
funds, or induced, solicited, or knowingly received any advance of funds by a
party other than the Mortgagor, directly or indirectly, for the payment of any
amount required by the Mortgage or the Mortgage Note. There has been no
delinquency, exclusive of any grace period, in any payment by the Mortgagor on
any Mortgage Loan during the last twelve (12) months. All payments due on or
prior to the related Funding Date for such Mortgage Loan have been made as of
the related Funding Date, the Mortgage Loan is not delinquent in payment more
than 30 days and has not been dishonored;
(g) The Mortgaged Property is free of material damage and in good repair,
and there is no proceeding pending or threatened for the total or partial
condemnation of the Mortgaged Property, nor has any notice of any such pending
or threatened proceeding been received or is such a proceeding currently
occurring, so as to adversely impair the value or marketability of the Mortgaged
Property;
(h) There are no mechanics' or similar liens or claims which have been
filed for work, labor, or material (and no rights are outstanding that under law
could give rise to such lien) which are, or may be, liens prior or equal to, or
coordinate with, the lien of the related Mortgage;
(i) All of the improvements which were included for the purpose of
determining the Appraised Value of the Mortgaged Property were completed at the
time that such Mortgage Loan was originated and lie wholly within the boundaries
and building restriction lines of such Mortgaged Property and all improvements
on the property comply with all applicable zoning and subdivision laws and
ordinances. Except for de minimis encroachments permitted by the ▇▇▇▇▇▇ ▇▇▇
Guides (MBS Special Servicing Option) or the ▇▇▇▇▇▇▇ Mac Guide, no improvements
on adjoining properties encroach upon the Mortgaged Property;
(j) All parties that have had any interest in the Mortgage, whether as
mortgagee, assignee, pledgee, or otherwise, are (or, during the period in which
they held and disposed of such interest, were) (i) in compliance with any and
all applicable "doing business" and licensing requirements of the laws of the
state wherein the Mortgaged Property is located and (ii)(A) organized under the
laws of such state, (B) qualified to do business in such state, (C) federal
savings and loan associations or national banks having principal offices in such
state, or (D) not required to qualify to do business in such state;
(k) No Mortgagor was required to purchase any credit life, disability,
accident or health insurance product as a condition of obtaining the extension
of credit. No Mortgagor obtained a prepaid single premium credit life,
disability, accident or health insurance policy in connection with the
origination of the Mortgage Loan; No proceeds of the Mortgage Loan were used by
the related Mortgagor to purchase or finance the purchase of any single premium
credit life insurance policies as part of the origination of, or as a condition
to closing, such Mortgage Loan;
(l) On or prior to the Funding Date, the Seller has, in accordance with
Section 2.3(b), delivered to the Purchaser originals of each of the documents
with respect to such Mortgage Loan specified in Section 2.3(b) (or the documents
specified therein permitted to be delivered in lieu thereof) and the other
documents in the Mortgage File. There are no custodial agreements in effect
adversely affecting the right or ability of the Seller to make the deliveries of
such documents. Each of the documents with respect to such Mortgage Loan
specified in Section 2.3(b), Exhibit A hereto or in the Mortgage File is
genuine, true, correct and complete and has not been altered or modified in any
way except as noted in the Mortgage File;
(m) The Mortgage Note and the Mortgage are genuine, and each is the legal,
valid and binding obligation of the maker thereof and each party assuming
liability therefore, enforceable in accordance with its terms, except as such
enforcement may be limited by bankruptcy, insolvency, reorganization,
moratorium, or other similar laws affecting the enforcement of creditors' rights
generally and except that the equitable remedy of specific performance and other
equitable remedies are subject to the discretion of the courts. All parties to
the Mortgage Note and the Mortgage had legal capacity to execute the Mortgage
Note and the Mortgage and convey the estate therein purported to be conveyed,
and the Mortgage Note and the Mortgage have been duly and properly executed by
such parties or pursuant to a valid power-of-attorney. The Mortgagor is a
natural person who is a party to the Mortgage Note and the Mortgage in an
individual capacity or in the capacity of trustee in connection with an inter
vivos trust meeting the requirements of ▇▇▇▇▇▇ ▇▇▇. With respect to each
inter-vivos trust, holding title to the Mortgaged Property in such trust will
not diminish any rights as a creditor including the right to full title to the
Mortgage Property in the event foreclosure proceedings are initiated;
(n) The transfer of the Mortgage Note and the Mortgage as and in the
manner contemplated by this Agreement is sufficient fully to transfer to the
Purchaser all right, title and interest of the Seller thereto as note Purchaser
and mortgagee subject to bankruptcy, insolvency, moratorium, reorganization and
similar laws relating to or limiting the enforcement of creditors' rights
generally. The Mortgage has been duly assigned (except with respect to any
Mortgage Loan assigned to MERS) and the Mortgage Note has been duly endorsed as
provided in Exhibit A. With respect to each Mortgage Loan that is not assigned
to MERS, the Assignment of Mortgage delivered to the Purchaser is in recordable
form and is acceptable for recording under the laws of the applicable
jurisdiction;
(o) At origination of each Mortgage Loan, any and all requirements of any
federal, state, or local law including, without limitation, usury,
truth-in-lending, real estate settlement procedures, consumer credit protection,
equal credit opportunity, predatory and abusive lending laws, or disclosure laws
applicable to such Mortgage Loan had been complied with, and the Seller shall
maintain, in its possession, available for the Purchaser's inspection, and shall
deliver to the Purchaser or its designee upon demand, evidence of compliance
with all such requirements. The consummation of the transactions contemplated by
this Agreement will not cause the violation of any such laws;
(p) The proceeds of such Mortgage Loan have been fully disbursed, there is
no requirement for, and the Seller shall not make any, future advances
thereunder, and any and all requirements as to completion of any on-site or
off-site improvement and as to disbursements of any escrow therefore have been
complied with. Any future advances made prior to the Cut-off Date have been
consolidated with the principal balance secured by the Mortgage, and such
principal balance, as consolidated, bears a single interest rate and single
repayment term. The lien of the Mortgage securing the consolidated principal
amount is expressly insured as having first lien priority by a title insurance
policy, an endorsement to the policy insuring the Mortgagee's consolidated
interest or by other title evidence acceptable to Purchaser. There is no
obligation on the part of the Seller or any other party to make payments in
addition to those made by the Mortgagor. The Unpaid Principal Balance as of the
Cut-off Date does not exceed the original principal amount of such Mortgage
Loan. All costs, fees and expenses incurred in making, or closing or recording
such Mortgage Loan have been paid and the Mortgagor is not entitled to any
refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note
or Mortgage;
(q) Such Mortgage Loan is covered by an ALTA mortgage title insurance
policy or such other generally used and acceptable form of policy (which has an
adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1, if
applicable), or insurance acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac (with
environmental lien endorsement and condominium endorsement, to the extent
applicable), issued by and the valid and binding obligation of a title insurer
acceptable to ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and qualified to do business in the
jurisdiction where the Mortgaged Property is located, insuring the Seller, and
its successors and assigns, as to the first priority lien of the Mortgage in the
original principal amount of such Mortgage Loan, and with respect to Adjustable
Rate Mortgage Loans, against any loss by reason of the invalidity or
unenforceability of the lien resulting from the provisions of the Mortgage
providing for adjustment in the Mortgage Interest Rate and Monthly Payment, such
mortgage title insurance policy is in full force and effect. Additionally, such
lender's title insurance policy affirmatively insures ingress and egress to and
from the Mortgaged Property, and against encroachments by or upon the Mortgaged
Property or any interest therein. The Seller is the sole insured of such
lender's title insurance policy, and such lender's title insurance policy is in
full force and effect and will be in full force and effect upon the consummation
of the transactions contemplated by this Agreement. No claims have been made
under such lender's title insurance policy, and no prior holder of the related
Mortgage, including the Seller, has done, by act or omission, anything which
would impair the coverage of such lender's title insurance policy;
(r) All buildings or other customarily insured improvements upon the
Mortgaged Property are insured by an insurer acceptable under the ▇▇▇▇▇▇ Mae
Guides, against loss by fire, hazards of extended coverage and such other
hazards as are provided for in the ▇▇▇▇▇▇ ▇▇▇ Guides or by the ▇▇▇▇▇▇▇ Mac
Guides, in an amount representing coverage not less than the lesser of (i) the
maximum insurable value of the improvements securing such Mortgage Loans, and
(ii) the greater of (a) the outstanding principal balance of the Mortgage Loan,
and (b) an amount such that the proceeds thereof shall be sufficient to prevent
the Mortgagor and/or the mortgagee from becoming a co-insurer. All such standard
hazard policies are in full force and effect and on the date of origination
contained a standard mortgagee clause naming the Seller and its successors in
interest and assigns as loss payee and such clause is still in effect and all
premiums due thereon have been paid. If the Mortgaged Property is located in an
area identified in the Federal Register by the Federal Emergency Management
Agency as having special flood hazards (and such flood insurance has been made
available), such Mortgaged Property is covered by a flood insurance policy
meeting the requirements of current guidelines of the Federal Insurance
Administration which policy conforms to the requirements of ▇▇▇▇▇▇ ▇▇▇ and
▇▇▇▇▇▇▇ Mac. Each individual insurance policy has been validly issued and is in
full force and effect. The Seller has caused to be performed any and all acts
required to preserve the rights and interests of the Purchaser in all insurance
policies required by this Agreement, including, without limitation, notification
of insurers, and assignment of policies or interests therein. Each individual
insurance policy contains a standard mortgagee clause naming the Seller, and its
successors and assigns, as mortgagee and loss payee. All premiums thereon have
been paid. The Mortgage obligates the Mortgagor to maintain all such insurance
at the Mortgagor's cost and expense, and upon the Mortgagor's failure to do so,
authorizes the Purchaser of the Mortgage to obtain and maintain such insurance
at the Mortgagor's cost and expense and to seek reimbursement therefore from the
Mortgagor, and no action, inaction or event has occurred, and no state of facts
exists that has, or will result in, the exclusion from, or denial of, or defense
to the coverage of any such insurance policy or the validity, binding effect and
enforceability thereof;
(s) There is no valid offset, defense, counterclaim or right of rescission
as to any Mortgage Note or Mortgage, including the obligation of the Mortgagor
to pay the unpaid principal of or interest on such Mortgage Note nor will the
operation of any of the terms of the Mortgage Note or the exercise of any right
thereunder render the Mortgage unenforceable, in-whole or in-part, or subject to
any off-set, defense, counterclaim or right of rescission;
(t) Each Mortgage Loan was originated by the Seller; or by a savings and
loan association, savings bank, commercial bank, credit union, insurance Seller,
or similar institution that is supervised and examined by a Federal or state
authority; or by a mortgagee approved by the Secretary of Housing and Urban
Development pursuant to Sections 203 and 211 of the National Housing Act. Such
Mortgage Loan has not been sold by the Seller to any Person other than the
Purchaser;
(u) Principal payments on such Mortgage Loan commenced no more than sixty
days after funds were disbursed in connection with such Mortgage Loan. The
Mortgage Note requires a Monthly Payment (which changes on each Adjustment Date
with respect to Adjustable Rate Mortgage Loans) which is sufficient to fully
amortize the original principal balance over the remaining term thereof and to
pay interest at the Mortgage Interest Rate. Such Mortgage Loan does not contain
terms or provisions which would result in negative amortization. The Index, the
Gross Margin, the Maximum Mortgage Interest Rate, the Minimum Mortgage Interest
Rate, the Periodic Rate Cap, and the Initial Rate Cap is as provided on the UBS
Website. No Mortgage Loan is a Convertible Mortgage Loan;
(v) Such Mortgage Loan is a conventional residential mortgage loan having
an original term to maturity of not more than thirty years with interest payable
in arrears on the first day of each month;
(w) The Mortgage contains customary and enforceable provisions which
render the rights and remedies of the Purchaser thereof adequate for the
realization against the Mortgaged Property of the benefits of the security,
including (i) in the case of a Mortgage designated as a deed of trust, by
trustee's sale, and (ii) otherwise by judicial foreclosure. Following
origination of the Mortgage Loan, the Mortgaged Property has not been subject to
any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not
filed for protection under applicable bankruptcy laws. There is no homestead,
dower, curtesy, or other exemption or right available to the Mortgagor or any
other person which would interfere with the right to sell the Mortgaged Property
at a trustee's sale or the right to foreclose the Mortgage. The Mortgage
contains customary and enforceable provisions for the acceleration of the
payment of the unpaid principal balance of such Mortgage Loan in the event all
or any part of the related Mortgaged Property is sold or otherwise transferred
without the prior consent of the Purchaser thereunder;
(x) If the Mortgage constitutes a deed of trust, a trustee, duly qualified
under applicable law to serve as such, has been properly designated and
currently so serves and is named in such Mortgage, and no fees or expenses are
or will become payable by the Purchaser to the trustee under the deed of trust,
except in connection with a trustee's sale after default by the Mortgagor;
(y) The Mortgaged Property consists of a single parcel of real property
separately assessed for tax purposes, upon which is erected a detached or an
attached one-to-four family residence, or an individual condominium unit, or an
individual unit in a planned unit development. Such residence, dwelling, or unit
is not (i) a property constituting part of a syndication, (ii) a time share
unit, (iii) a mobile home or (iv) a recreational vehicle. No portion of any
Mortgaged Property is being used for commercial purposes. Any condominium unit
or planned unit development is acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac or is
otherwise "warrantable" with respect thereto;
(z) With respect to each Mortgage Loan secured in whole or in part by the
interest of the Mortgagor as a lessee under a ground lease of a Mortgaged
Property (a "Ground Lease") the real property securing such Mortgage Loan is
located in a jurisdiction in which the use of leasehold estates for residential
properties is a widely-accepted practice and:
(i) Such Ground Lease is valid, in good standing, and in full
force and effect;
(ii) The lessee is not in default under any provision of the lease;
(iii) The term of the Ground Lease exceeds the maturity date of the
related Mortgage Loan by at least ten years;
(iv) The mortgagee under the Mortgage Loan is given at least 30
days' notice of any default and an opportunity to cure any
defaults under the Ground Lease or to take over the
Mortgagor's rights under the Ground Lease;
(v) The Ground Lease does not contain any default provisions that
could give rise to forfeiture or termination of the Ground
Lease except for the non-payment of the Ground Lease rents;
and
(vi) The Ground Lease provides that the leasehold can be
transferred, mortgaged and sublet an unlimited number of times
either without restriction or on payment of a reasonable fee
and delivery of reasonable documentation to the lessor.
(aa) No Mortgage Loan had a Loan-to-Value Ratio at the time of origination
of more than 95%. None of the Mortgage Loans are covered by "lender paid"
mortgage insurance;
(bb) No action has been taken or omitted, and no event has occurred and no
state of facts exists or has existed on or prior to the Funding Date (whether or
not known to the Seller on or prior to such date) which has resulted or will
result in an exclusion from, denial of, or defense to coverage under any
insurance policy related to a Mortgage Loan, including, without limitation, any
exclusions, denials, or defenses which would limit or reduce the availability of
the timely payment of the full amount of the loss otherwise due thereunder to
the insured, whether arising out of actions, representations, errors, omissions,
negligence, or fraud of the Seller, the related Mortgagor, or any party involved
in the application for such coverage, including the appraisal, plans and
specifications and other exhibits or documents submitted therewith to the
insurer under such insurance policy, or for any other reason under such
coverage, but not including the failure of such insurer to pay by reason of such
insurer's breach of such insurance policy or such insurer's financial inability
to pay;
(cc) Such Mortgage Loan was underwritten in accordance with the UBS Guide
and the Mortgage and Mortgage Note are on forms acceptable to ▇▇▇▇▇▇ Mae and
▇▇▇▇▇▇▇ Mac;
(dd) There exist no deficiencies with respect to escrow deposits and
payments, if such are required, for which customary arrangements for repayment
thereof have not been made or which the Seller expects not to be cured, and no
escrow deposits or payments of other charges or payments due the Seller have
been capitalized under the Mortgage or the Mortgage Note;
(ee) Such Mortgage Loan does not have a shared appreciation feature or
other contingent interest feature;
(ff) No statement, report, or other document constituting a part of the
Mortgage File contains any untrue statement of fact or omits to state a fact
necessary to make the statements contained therein not misleading;
(gg) The Mortgagor has received all disclosure materials, if any, required
by applicable law with respect to the making of each Mortgage Loan and the
Mortgagor has executed one or more statements acknowledging such receipt;
(hh) The Mortgage File contains an appraisal of the related Mortgaged
Property which is on the appropriate appraisal form, as described in the UBS
Guide, with an interior inspection and was signed prior to the approval of the
application for such Mortgage Loan by a qualified appraiser, duly appointed by
the originator of such Mortgage Loan, who had no interest, direct or indirect,
in the Mortgaged Property or in any loan made on the security thereof, and whose
compensation is not affected by the approval or disapproval of such application
and otherwise meets the requirements of the ▇▇▇▇▇▇ Mae Guides (MBS Special
Servicing Option) or the ▇▇▇▇▇▇▇ Mac Guide. Each appraisal was made in
accordance with the relevant provisions of the Financial Institutions Reform,
Recovery, and Enforcement Act of 1989 and is on a form acceptable to ▇▇▇▇▇▇ Mae
or ▇▇▇▇▇▇▇ Mac;
(ii) No Mortgage Loan is (a) subject to, covered by or in violation of the
Home Ownership and Equity Protection Act of 1994 ("HOEPA"), (b) classified as
"high cost," "covered," "high risk home", "high-rate, high-fee", "threshold," or
"predatory" loans under HOEPA or any other applicable state, federal or local
law, including any predatory or abusive lending laws (or similarly classified
loans using different terminology under a law imposing heightened scrutiny or
additional legal liability for residential mortgage loans having high interest
rates, points and/or fees), (c) a High Cost Loan or Covered Loan, as applicable
(as such terms are defined in the Standard & Poor's LEVELS(R) Glossary Revised,
Appendix E) or (d) in violation of any state law or ordinance comparable to
HOEPA;
(jj) The Mortgage Note is not and has not been secured by any collateral
except the lien of the corresponding Mortgage;
(kk) No Mortgage Loan contains provisions pursuant to which Monthly
Payments are (a) paid or partially paid with funds deposited in any separate
account established by the Seller, the Mortgagor, or anyone on behalf of the
Mortgagor, (b) paid by any source other than the Mortgagor or (c) except any
Mortgage Loan identified by Seller as a Buydown Loan on the UBS Website,
contains any other similar provisions which may constitute a "buydown"
provision. The Mortgage Loan is not a graduated payment Mortgage Loan and the
Mortgage Loan does not have a shared appreciation or other contingent interest
feature;
(ll) The Seller has no knowledge of any circumstances or condition with
respect to the Mortgaged Property, the Mortgagor, the Mortgagor's credit
standing or the Mortgage that can reasonably be expected to cause the Mortgage
Loan to be an unacceptable investment, cause the Mortgage Loan to become
delinquent, or adversely affect the value of the Mortgage Loan;
(mm) No Mortgage Loan has a balloon payment feature;
(nn) No Mortgage Loan which is a cash-out refinancing was originated in
the State of Texas;
(oo) Interest on each Mortgage Loan is calculated on the basis of a
360-day year consisting of twelve 30-day months;
(pp) The Mortgaged Property is in compliance with all applicable
environmental laws pertaining to environmental hazards including, without
limitation, asbestos, and neither the Seller nor, to the Seller's knowledge, the
related Mortgagor, has received any notice of any violation or potential
violation of such law;
(qq) No misrepresentation, fraud or similar occurrence with respect to a
Mortgage Loan has taken place on the part of any Person, including without
limitation the Seller, any prior originator or servicer, the Mortgagor, any
appraiser, any builder or developer, or any other party involved in the
origination of the Mortgage Loan or in the application of any insurance in
relation to such Mortgage Loan;
(rr) The related Mortgagor has not requested any relief allowed to such
Mortgagor under the Servicemembers' Civil Relief Act of 1940;
(ss) Except as identified by Seller on the UBS Website, the Mortgage Loan
is not subject to a prepayment penalty. For any Mortgage Loan originated prior
to October 1, 2002 that is subject to a prepayment penalty, such prepayment
penalty does not extend beyond five years after the date of origination. For any
Mortgage Loan originated on or following October 1, 2002 that is subject to a
prepayment penalty, such prepayment penalty does not extend beyond three years
after the date of origination. Any such prepayment penalty is enforceable and
was originated in compliance with all applicable federal, state, and local laws.
With respect to any Mortgage Loan that contains a provision permitting
imposition of a premium upon a prepayment prior to maturity: (i) prior to the
loan's origination, the Mortgagor agreed to such premium in exchange for a
monetary benefit, including but not limited to a rate or fee reduction, (ii)
prior to the loan's origination, the Mortgagor was offered the option of
obtaining a Mortgage Loan that did not require payment of such a premium, (iii)
the prepayment premium is disclosed to the Mortgagor in the loan documents
pursuant to applicable state and federal law, and (iv) notwithstanding any state
or federal law to the contrary, the Seller shall not impose such prepayment
premium in any instance when the mortgage debt is accelerated as the result of
the Mortgagor's default in making the loan payments;
(tt) With respect to each Mortgage Loan, the Seller has fully and
accurately furnished complete information on the related borrower credit files
on a monthly basis to Equifax, Experian and Trans Union Credit Information
Company, in accordance with the Fair Credit Reporting Act and its implementing
regulations;
(uu) The Mortgaged Property is lawfully occupied under applicable law, and
all inspections, licenses and certificates required to be made or issued with
respect to all occupied portions of the Mortgaged Property and, with respect to
the use and occupancy of the same, including but not limited to certificates of
occupancy and fire underwriting certificates, have been made or obtained from
the appropriate authorities;
(vv) Each Mortgage Loan constitutes a qualified mortgage under Section
860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1);
(ww) The Seller has complied with all applicable anti-money laundering
laws and regulations, including without limitation the USA Patriot Act of 2001
(collectively, the "ANTI-MONEY LAUNDERING LAWS"); the Seller has established an
anti-money laundering compliance program as required by the Anti-Money
Laundering Laws, has conducted the requisite due diligence in connection with
the origination of each Mortgage Loan for purposes of the Anti-Money Laundering
Laws, including with respect to the legitimacy of the applicable Mortgagor and
the origin of the assets used by the said Mortgagor to purchase the property in
question, and maintains, and will maintain, sufficient information to identify
the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. No
Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
"Executive Order") or the regulations promulgated by the Office of Foreign
Assets Control of the United States Department of the Treasury (the "OFAC
Regulations") or in violation of the Executive Order or the OFAC Regulations,
and no Mortgagor is subject to the provisions of such Executive Order or the
OFAC Regulations nor listed as a "blocked person" for purposes of the OFAC
Regulations;
(xx) No predatory or deceptive lending practices, including but not
limited to, the extension of credit to the applicable Mortgagor without regard
for said Mortgagor's ability to repay the Mortgage Loan and the extension of
credit to said Mortgagor which has no apparent benefit to said Mortgagor, were
employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the
anti-predatory lending eligibility for purchase requirements of the ▇▇▇▇▇▇ ▇▇▇
Guides;
(yy) No Mortgage Loan is a "High Cost Home Loan" as defined in the Georgia
Fair Lending Act, as amended (the "Georgia Act") or the New York Banking Law
6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(zz) No Mortgagor was encouraged or required to select a Mortgage Loan
product offered by the Mortgage Loan's originator which is a higher cost product
designed for less creditworthy borrowers, unless at the time of the Mortgage
Loan's origination, such Mortgagor did not qualify taking into account credit
history and debt to income ratios for a lower cost credit product then offered
by the Mortgage Loan's originator or any affiliate of the Mortgage Loan's
originator. If, at the time of loan application, the Mortgagor may have
qualified for a for a lower cost credit product then offered by any mortgage
lending affiliate of the Mortgage Loan's originator, the Mortgage Loan's
originator referred the Mortgagor's application to such affiliate for
underwriting consideration;
(aaa) The methodology used in underwriting the extension of credit for
each Mortgage Loan employs objective mathematical principles which relate the
Mortgagor's income, assets and liabilities to the proposed payment and such
underwriting methodology does not rely on the extent of the Mortgagor's equity
in the collateral as the principal determining factor in approving such credit
extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the Mortgagor had a reasonable ability to
make timely payments on the Mortgage Loan;
(bbb) All fees and charges (including finance charges) and whether or not
financed, assessed, collected or to be collected in connection with the
origination and servicing of each Loan have been disclosed in writing to the
Mortgagor in accordance with applicable state and federal law and regulation;
(ccc) With respect to each Co-op Loan, the related Mortgage is a valid,
enforceable and subsisting first security interest on the related cooperative
shares securing the related cooperative note, subject only to (a) liens of the
cooperative for unpaid assessments representing the Mortgagor's pro rata share
of the cooperative's payments for its blanket mortgage, current and future real
property taxes, insurance premiums, maintenance fees and other assessments to
which like collateral is commonly subject and (b) other matters to which like
collateral is commonly subject which do not materially interfere with the
benefits of the security intended to be provided by the Security Agreement.
There are no liens against or security interest in the cooperative shares
relating to each Co-op Loan (except for unpaid maintenance, assessments and
other amounts owed to the related cooperative which individually or in the
aggregate will not have a material adverse effect on such Co-op Loan), which
have priority over the Seller's security interest in such cooperative shares;
(ddd) With respect to each Co-op Loan, a search for filings of financing
statements has been made by a company competent to make the same, which company
is acceptable to ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and is qualified to do business in
the jurisdiction where the cooperative unit is located, and such search has not
found anything which would materially and adversely affect the Co-op Loan;
(eee) With respect to each Co-op Loan, the related cooperative corporation
that owns title to the related cooperative apartment building is a "cooperative
housing corporation" within the meaning of Section 216 of the Code, and is in
material compliance with applicable federal, state and local laws which, if not
complied with, could have a material adverse effect on the Mortgaged Property;
(fff) With respect to each Co-op Loan, there is no prohibition against
pledging the shares of the cooperative corporation or assigning the Co-op Lease;
(ggg) All points and fees related to each Mortgage Loan were disclosed in
writing to the related Mortgagor in accordance with applicable state and federal
law and regulations. Except in the case of a Mortgage Loan in an original
principal amount of less than $60,000 which would have resulted in an
unprofitable origination, no related Mortgagor was charged "points and fees"
(whether or not financed) in an amount greater than 5% of the principal amount
of such Mortgage Loan, such 5% limitation is calculated in accordance with
▇▇▇▇▇▇ Mae's anti-predatory lending requirements as set forth in the ▇▇▇▇▇▇ ▇▇▇
Selling Guide;
(hhh) With respect to each Buydown Loan:
(i) On or before the date of origination of such Mortgage Loan, the
Seller and the Mortgagor, or the Seller, the Mortgagor and the seller of
the Mortgaged Property or a third party entered into a Buydown Agreement.
The Buydown Agreement provides that the seller of the Mortgaged Property
(or third party) shall deliver to the Seller Buydown Funds in an amount
equal to the aggregate undiscounted amount of payments that, when added to
the amount the Mortgagor on such Mortgage Loan is obligated to pay on each
Due Date in accordance with the terms of the Buydown Agreement, is equal
to the full scheduled Monthly Payment due on such Mortgage Loan;
(ii) The Mortgage and the Note reflect the permanent payment terms
rather than the payment terms of the Buydown Agreement. The Buydown
Agreement provides for the payment by the Mortgagor of the full amount of
the Monthly Payment on any Due Date that the Buydown Funds are not
available. The Buydown Funds were not used to reduce the original
principal balance of the Mortgage Loan or to increase the Appraised Value
of the Mortgaged Property when calculating the LTV for purposes of this
Agreement and, if the Buydown Funds were provided by the Seller and if
required under ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac guidelines, the terms of the
Buydown Agreement were disclosed to the appraiser of the Mortgaged
Property;
(iii) The Buydown Funds may not be refunded to the Mortgagor unless
the Mortgagor makes a principal payment for the outstanding balance of the
related Mortgage Loan; and
(iv) As of the date of origination of the Mortgage Loan, the
provisions of the related Buydown Agreement complied with the requirements
of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac regarding buydown agreements.
(iii) No Mortgage Loan is a "High-Cost Home Loan" under the New Jersey
Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage Loan
subject to the NJ Act is considered under the NJ Act as, either, a (1) purchase
money Home Loan, (2) purchase money Covered Loan (with respect to Mortgage Loans
which were originated between November 26, 2003 and July 7, 2004), or (3) a
rate/term refinance Home Loan;
(jjj) With respect to any Mortgage Loan originated on or after August 1,
2004, no Mortgagor agreed to submit to arbitration to resolve any dispute
arising out of or relating in any way to the Mortgage Loan transaction;
(kkk) No Mortgage Loan was made in connection with (A) the construction or
rehabilitation of a Mortgaged Property or (B) facilitating the trade-in or
exchange of a Mortgaged Property;
(lll) Each Mortgage Loan is eligible for sale in the secondary mortgage
market or for securitization without unreasonable credit enhancement;
(mmm) The Mortgagor has not made or caused to be made any payment in the
nature of an `average' or `yield spread premium' to a mortgage broker or a like
Person which has not been fully disclosed to the Mortgagor; and
(nnn) No Mortgage Loan secured by a Mortgaged Property located in the
Commonwealth of Massachusetts was made to pay off or refinance an existing loan
or other debt of the related borrower (as the term "borrower" is defined in the
regulations promulgated by the Massachusetts Secretary of State in connection
with Massachusetts House ▇▇▇▇ 4880 (2004)) unless (a) the related Mortgage
Interest Rate (that would be effective once the introductory rate expires, with
respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than
2.25% the yield on United States Treasury securities having comparable periods
of maturity to the maturity of the related Mortgage Loan as of the fifteenth day
of the month immediately preceding the month in which the application for the
extension of credit was received by the related lender or (b) the Mortgage Loan
is an "open-ended home loan" (as such term is used in the Massachusetts House
▇▇▇▇ 4880 (2004)) and the related Mortgage Note provides that the related
Mortgage Interest Rate may not exceed at any time the Prime rate index as
published in the WALL STREET JOURNAL plus a margin of one percent.
SECTION 3.2 REPRESENTATIONS OF SELLER AS OF THE FUNDING DATE
Seller hereby represents and warrants to Purchaser as of each Funding
Date:
(a) Seller is a corporation duly organized, validly existing, and in good
standing under the laws of the state of its formation, and has all licenses
necessary to carry on its business as now being conducted and is licensed,
qualified and in good standing in the states where the Mortgaged Properties are
located if the laws of such states require licensing or qualification in order
to conduct business of the type conducted by Seller and to the extent necessary
to ensure the enforceability of each Mortgage Loan in accordance with this
Agreement; Seller has the corporate power and authority to hold each Mortgage
Loan, to sell each Mortgage Loan, to enter into, execute, and deliver this
Agreement and all documents and instruments executed and delivered pursuant
hereto and to perform its obligations in accordance therewith; the execution,
delivery, and performance of this Agreement by Seller and the consummation of
the transactions contemplated hereby have been duly and validly authorized; this
Agreement evidences the valid, binding and enforceable obligations of Seller;
and all requisite corporate action has been taken by Seller to make this
Agreement valid and binding upon Seller in accordance with its terms.
(b) No consent, approval, authorization, or order of any court or
governmental agency or body relating to the transactions contemplated by this
Agreement and the transfer of legal title to the Mortgage Loans to Purchaser, is
required as to Seller or, if required, such consent, approval, authorization, or
order has been or will, prior to the Funding Date, be obtained except for any
recordations of Assignments of Mortgages to or for the benefit of Purchaser
pursuant to this Agreement. No licenses or approvals obtained by Seller have
been suspended or revoked by any court, administrative agency, arbitrator or
governmental body and no proceedings are pending which might result in such
suspension or revocation.
(c) The consummation of the transactions contemplated by this Agreement,
including, without limitation, the transfer and assignment of the Mortgage Loans
to or for the benefit of Purchaser pursuant to this Agreement and the
fulfillment of or compliance with the terms and conditions of this Agreement,
are in the ordinary course of business of Seller, are not subject to the bulk
transfer or any similar statutory provision, and will not result in the breach
of any term or provision of the articles of incorporation or bylaws of Seller or
result in the breach of any term or provision of, or conflict with or constitute
a default under, or result in the acceleration of any obligation under, any
agreement, indenture, Mortgage Loan or credit agreement, or other instrument to
which Seller or its property is subject, or result in the violation of any law,
rule, regulation, order, judgment, or decree to which Seller or its property is
subject.
(d) There is no action, suit, proceeding or investigation pending or
threatened against Seller which, either in any one instance or in the aggregate
would be reasonably likely to result in any material impairment of the right or
ability of Seller to carry on its business substantially as now conducted, or
which would create any material liability for Seller, or which would draw into
question the validity of this Agreement, or the Mortgage Loans, or of any action
taken or to be taken in connection with the obligations of Seller contemplated
herein or therein, including but not limited to the sale of the Mortgage Loans,
or which would be likely to impair materially the ability of Seller to perform
its obligations hereunder or thereunder.
(e) Seller is a HUD approved mortgagee pursuant to Section 203 of the
National Housing Act. No event has occurred, including but not limited to a
change in insurance coverage, which would make the Seller unable to comply with
HUD eligibility requirements or which would require notification to HUD.
(f) Seller does not believe, nor does it have any reason or cause to
believe, that it cannot perform each and every covenant contained in this
Agreement. Seller is solvent, and the sale of the Mortgage Loans will not cause
Seller to become insolvent. The sale of the Mortgage Loans is not undertaken
with the intent to hinder, delay or defraud any of Seller's creditors.
(g) Seller is not in default with respect to any order, judgment, writ,
injunction or decree of any court or any order, demand or regulation of any
federal, state, municipal or governmental agency, which default might have
consequences that would materially and adversely affect the condition (financial
or otherwise) or operations of Seller or its properties or might have
consequences that would affect its performance hereunder.
(h) The origination, servicing and collection practices used by the Seller
and any prior originator or servicer with respect to such Mortgage Loan have
been in all material respects legal, proper, prudent and customary in the
mortgage origination and servicing business. The servicing and collection
practices used by the Seller and any prior servicer with respect to such
Mortgage Loan have been in all material respects in compliance with the ▇▇▇▇▇▇
Mae Guide.
(i) The consideration received by the Seller upon the sale of the Mortgage
Loans constitutes fair consideration and reasonably equivalent value for such
Mortgage Loan.
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006 ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and National City Mortgage
Co. (the "Company"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
1. The Assignor hereby assigns to the Assignee (a) all of the
right, title and interest of the Assignor, as purchaser, in, to and under,
except as described below, that certain Master Seller's Purchase, Warranties and
Interim Servicing Agreement dated as of May 1, 2004 as amended (the "PURCHASE
AGREEMENT"), between the Assignor, as purchaser (the "PURCHASER"), and the
Company, as seller, solely insofar as the Purchase Agreement relates to the
mortgage loans set forth on the schedule (the "MORTGAGE LOAN SCHEDULE") attached
hereto as EXHIBIT A (the "MORTGAGE LOANS") and (b) other than as provided below
with respect to the enforcement of representations and warranties, none of the
obligations of the Assignor under the Purchase Agreement.
The Assignor specifically reserves and does not assign to the
Assignee hereunder any and all right, title and interest in, to and under and
any obligations of the Assignor with respect to any mortgage loans subject to
the Purchase Agreement which are not the Mortgage Loans set forth on the
Mortgage Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
2. From and after the date hereof, the Company shall and does
hereby recognize that the Assignee will transfer the Mortgage Loans and assign
its rights under the Purchase Agreement (solely to the extent set forth herein)
and this Agreement to MASTR Asset Backed Securities Trust 2006-HE1 (the "TRUST")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "POOLING AGREEMENT"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer (in such capacity, the "MASTER SERVICER"), trust administrator
(in such capacity, the "TRUST ADMINISTRATOR") and as servicer (in such capacity,
the "SERVICER"), JPMorgan Chase Bank, National Association as servicer (in such
capacity, the "SERVICER") and U.S. Bank National Association, as trustee
(including its successors in interest and any successor trustees under the
Pooling Agreement, the "TRUSTEE"). The Company hereby acknowledges and agrees
that from and after the date hereof (i) the Trust will be the owner of the
Mortgage Loans, (ii) the Company shall look solely to the Trust for performance
of any obligations of the Assignor insofar as they relate to the enforcement of
the representations, warranties and covenants with respect to the Mortgage
Loans, (iii) the Trust (including the Trustee, the Trust Administrator and the
Master Servicer acting on the Trust's behalf) shall have all the rights and
remedies available to the Assignor, insofar as they relate to the Mortgage
Loans, under the Purchase Agreement, including, without limitation, the
enforcement of the document delivery requirements and remedies with respect to
breaches of representations and warranties set forth in the Purchase Agreement,
and shall be entitled to enforce all of the obligations of the Company
thereunder insofar as they relate to the Mortgage Loans, and (iv) all references
to the Purchaser (insofar as they relate to the rights, title and interest and,
with respect to obligations of the Purchaser, only insofar as they relate to the
enforcement of the representations, warranties and covenants of the Company) or
the Custodian under the Purchase Agreement insofar as they relate to the
Mortgage Loans, shall be deemed to refer to the Trust (including the Trustee,
the Trust Administrator and the Master Servicer acting on the Trust's behalf).
Neither the Company nor the Assignor shall amend or agree to amend, modify,
waiver, or otherwise alter any of the terms or provisions of the Purchase
Agreement which amendment, modification, waiver or other alteration would in any
way affect the Mortgage Loans or the Company's performance under the Purchase
Agreement with respect to the Mortgage Loans without the prior written consent
of the Trustee and the Trust Administrator.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
3. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) Attached hereto as EXHIBIT B is a true and accurate copy
of the representation and warranties set forth in Sections 3.01 and
3.02 of the Purchase Agreement, which Purchase Agreement is in full
force and effect as of the date hereof and the provisions of which
have not been waived, amended or modified in any respect, nor has
any notice of termination been given thereunder;
(b) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(c) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(d) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement except as has already been obtained; and
(e) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
4. Pursuant to Section 8.01(b)(iii) of the Purchase Agreement,
the Company hereby represents and warrants, for the benefit of the Assignor, the
Assignee and the Trust, that the representations and warranties set forth in
Sections 3.01 and 3.02 of the Purchase Agreement, are true and correct as of the
date hereof as if such representations and warranties were made on the date
hereof.
5. The Assignor hereby makes the following representation and
warranty as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws;
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E); and
(d) There is no Mortgage Loan that was originated on or after
March 7, 2003, which is a "high cost home loan" as defined under the
Georgia Fair Lending Act.
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
6. The Company hereby acknowledges and agrees that the remedies
available to the Assignor, the Assignee and the Trust (including the Trustee and
the Master Servicer acting on the Trust's behalf) in connection with any breach
of the representations and warranties made by the Company set forth in Sections
3 and 4 hereof shall be as set forth in Subsection 3.03 of the Purchase
Agreement as if they were set forth herein (including without limitation the
repurchase and indemnity obligations set forth therein). The Company further
acknowledges and agrees that a breach of any one of the representations set
forth in Sections 3.02 (ee), (pp), (uu), (vv), (ccc), (ggg) and (yyy) of the
Purchase Agreement will be deemed to materially adversely affect the interests
of the certificateholders and shall require a repurchase of the affected
Mortgage Loan(s).
The Assignor hereby acknowledges and agrees that the remedies
available to the the Assignee and the Trust (including the Trustee and the
Master Servicer acting on the Trust's behalf) in connection with any breach of
the representations and warranties made by the Assignor set forth in Section 5
hereof shall be as set forth in Section 2.03 of the Pooling and Servicing
Agreement as if they were set forth herein (including without limitation the
repurchase obligations set forth therein). The Assignor hereby acknowledges and
agrees that a breach of any one of the representations set forth in Section 5
above will be deemed to materially adversely affect the interests of the
certificateholders and shall require a repurchase of the affected Mortgage
Loan(s).
MISCELLANEOUS
7. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
8. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee and the Trust Administrator.
9. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee, the Trust Administrator and the Master Servicer acting on the Trust's
behalf). Any entity into which Assignor, Assignee or Company may be merged or
consolidated shall, without the requirement for any further writing, be deemed
Assignor, Assignee or Company, respectively, hereunder.
10. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
11. This Agreement may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
12. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
13. Capitalized terms used in this Agreement (including the
exhibits hereto) but not defined in this Agreement shall have the meanings given
to such terms in the Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:_____________________________
Name:___________________________
Title:____________________________
MORTGAGE ASSET SECURITIZATION
TRANSACTIONS, INC.
By:_____________________________
Name:___________________________
Title:____________________________
NATIONAL CITY MORTGAGE CO.
By:_____________________________
Name:___________________________
Title:____________________________
EXHIBIT A
Mortgage Loan Schedule
EXHIBIT B
Section 3.01 REPRESENTATIONS AND WARRANTIES OF THE COMPANY.
The Company represents, warrants and covenants to the Purchaser
that as of each Closing Date and as of each Servicing Transfer Date or as of
such date specifically provided herein:
(a) The Company is a corporation duly organized, validly existing
and in good standing under the laws of the State of Ohio and is an operating
subsidiary of National City Bank of Indiana. As a national bank operating
subsidiary, it is regulated by the Office of the Comptroller of the Currency and
is subject to applicable laws and regulations. Company is duly authorized to
originate Mortgage Loans and to carry on its business as now being conducted as
an operating subsidiary of a national bank. The Company has the full corporate
power, authority and legal right to hold, transfer and convey the Mortgage Loans
and to execute and deliver this Agreement and to perform its obligations
hereunder; the execution, delivery and performance of this Agreement (including
all instruments of transfer to be delivered pursuant to this Agreement) by the
Company and the consummation of the transactions contemplated hereby have been
duly and validly authorized; this Agreement and all agreements contemplated
hereby have been duly executed and delivered and constitute the valid, legal,
binding and enforceable obligations of the Company, regardless of whether such
enforcement is sought in a proceeding in equity or at law; and all requisite
corporate action has been taken by the Company to make this Agreement and all
agreements contemplated hereby valid and binding upon the Company in accordance
with their terms, subject to: (1) bankruptcy, reorganization, insolvency,
moratorium or other similar laws now or hereafter in effect relating to
creditors' rights generally, including, without limitation, the effect of
statutory or ether laws regarding fraudulent conveyances or preferential
transfers, and (2) general principles of equity upon the specific enforceability
of any of the remedies, covenants or other provisions of the Purchase Agreement
and upon the availability of injunctive relief or other equitable remedies and
the application of principles of equity (regardless of whether such
enforceability is considered in a proceeding in equity or at law) as such
principles relate to, limit or affect the enforcement of creditors' rights
generally and the discretion of the court before which any proceeding for such
enforcement may be brought;
(b) The Company has the full power and authority and legal right
to hold, transfer and convey each Mortgage Loan, to sell each Mortgage Loan and
to execute, deliver and perform, and to enter into and consummate all
transactions contemplated by this Agreement and the related Confirmation and to
conduct its business as presently conducted; the Company has duly authorized the
execution, delivery and performance of this Agreement and any agreements
contemplated hereby, has duly executed and delivered this Agreement and the
related Confirmation, and any agreements contemplated hereby, and this Agreement
and the related Confirmation and each Assignment of Mortgage to the Purchaser
and any agreements contemplated hereby, constitute the legal, valid and binding
obligations of the Company, enforceable against it in accordance with their
respective terms, except as such enforceability may be limited by bankruptcy,
insolvency, moratorium, reorganization and similar laws, and by equitable
principles affecting the enforceability of the rights of creditors; and all
requisite corporate action has been taken by the Company to make this Agreement,
the related Confirmation and all agreements contemplated hereby valid and
binding upon the Company in accordance with their terms;
(c) Neither the execution and delivery of this Agreement, the
related Confirmation, the sale of the Mortgage Loans to the Purchaser, the
consummation of the transactions contemplated hereby, nor the fulfillment of or
compliance with the terms and conditions of this Agreement and the related
Confirmation will conflict with any of the terms, conditions or provisions of
the Company's charter or by-laws or materially conflict with or result in a
material breach of any of the terms, conditions or provisions of any legal
restriction or any agreement or instrument to which the Company is now a party
or by which it is bound, or constitute a default or result in an acceleration
under any of the foregoing, or result in the material violation of any law,
rule, regulation, order, judgment or decree to which the Company or its property
is subject;
(d) There is no litigation, suit, proceeding or investigation
pending or threatened, or any order or decree outstanding, which is reasonably
likely to have a material adverse effect on the sale of the Mortgage Loans, the
execution, delivery, performance or enforceability of this Agreement or the
related Confirmation, or which is reasonably likely to have a material adverse
effect on the financial condition of the Company;
(e) No consent, approval, authorization or order of any court or
governmental agency or body is required for the execution, delivery and
performance by the Company of or compliance by the Company with this Agreement
and the related Confirmation, except for consents, approvals, authorizations and
orders which have been obtained;
(f) The consummation of the transactions contemplated by this
Agreement and the related Confirmation are in the ordinary course of business of
the Company, and the transfer, assignment and conveyance of the Mortgage Notes
and the Mortgages by the Company pursuant to this Agreement and the related
Confirmation are not subject to bulk transfer or any similar statutory
provisions in effect in any applicable jurisdiction;
(g) The origination, servicing and collection practices with
respect to each Mortgage Note and Mortgage have been legal and in accordance
with applicable laws and regulations, and in all material respects in accordance
with Accepted Servicing Practices. The Company further represents and warrants
that: with respect to escrow deposits and payments that the Company is entitled
to collect, all such payments are in the possession of, or under the control of,
the Company or its delegate, and there exist no deficiencies in connection
therewith for which customary arrangements for repayment thereof have not been
made; all escrow payments have been collected and are being maintained in full
compliance with applicable state and federal law and the provisions of the
related Mortgage Note and Mortgage; as to any Mortgage Loan that is the subject
of an escrow, escrow of funds is not prohibited by applicable law and has been
established in an amount sufficient to pay for every escrowed item that remains
unpaid and has been assessed but is not yet due and payable; no escrow deposits
or other charges or payments due under the Mortgage Note have been capitalized
under any Mortgage or the related Mortgage Note; all Mortgage Interest Rate
adjustments have been made in strict compliance with state and federal law and
the terms of the related Mortgage Note; and any interest required to be paid
pursuant to state and local law has been properly paid and credited;
(h) The Company has not used selection procedures that identified
the Mortgage Loans as being less desirable or valuable than other comparable
mortgage loans in the Company's portfolio at the related Closing Date;
(i) The Company will treat the transfer of the Mortgage Loans to
the Purchaser as a sale for reporting and accounting purposes and, to the extent
appropriate, for federal income tax purposes. The Company shall maintain a
complete set of books and records for each Mortgage Loan which shall be clearly
marked to reflect the ownership of such Mortgage Loan by the Purchaser;
(j) The Company is an approved seller/servicer of residential
mortgage loans for ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac and HUD, with such facilities,
procedures and personnel necessary for the sound servicing of such mortgage
loans. The Company is duly qualified, licensed, registered and otherwise
authorized under all applicable federal, state and local laws and regulations
and is in good standing to sell mortgage loans to and service mortgage loans for
▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and no event has occurred which would make the Company
unable to comply with eligibility requirements or which would require
notification to either ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac;
(k) The Company does not believe, nor does it have any cause or
reason to believe, that it cannot perform each and every covenant contained in
this Agreement and the related Confirmation applicable to it. The Company is
solvent and the sale of the Mortgage Loans will not cause the Company to become
insolvent. The sale of the Mortgage Loans is not undertaken with the intent to
hinder, delay or defraud any of the Company's creditors;
(l) No statement, tape, diskette, form, report or other document
prepared by, or on behalf of, the Company pursuant to this Agreement, the
related Confirmation or in connection with the transactions contemplated hereby,
contains or will contain any statement that is or will be inaccurate or
misleading in any material respect. The Company has prudently originated and
underwritten each Mortgage Loan;
(m) The consideration received by the Company upon the sale of
the Mortgage Loans constitutes fair consideration and reasonably equivalent
value for such Mortgage Loans;
(n) The Company has delivered to the Purchaser financial
statements as to its last two complete fiscal years. All such financial
statements fairly present the pertinent results of operations and changes in
financial position for each of such periods and the financial position at the
end of each such period of the Company and its subsidiaries and have been
prepared in accordance with GAAP consistently applied throughout the periods
involved, except as set forth in the notes thereto. There has been no change in
the business, operations, financial condition, properties or assets of the
Company since the date of the Company's financial statements that would have a
material adverse effect on its ability to perform its obligations under this
Agreement or the related Confirmation;
(o) The Company has not dealt with any broker, investment banker,
agent or other person that may be entitled to any commission or compensation in
connection with the sale of the Mortgage Loans; and
(p) The Company is a member of MERS in good standing, and will
comply in all material respects with the rules and procedures of MERS in
connection with the servicing of the MERS Mortgage Loans for as long as such
Mortgage Loans are registered with MERS.
Section 3.02 REPRESENTATIONS AND WARRANTIES AS TO INDIVIDUAL
MORTGAGE LOANS.
The Company hereby represents and warrants to the Purchaser, as
to each Mortgage Loan, as of the related Closing Date and as of the related
Servicing Transfer Date as follows:
(a) The information set forth in the related Mortgage Loan
Schedule, including any diskette or other related data tapes sent to the
Purchaser, is complete, true and correct in all material respects;
(b) The Mortgage creates a (A) first lien and first priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B)
second lien and second priority security interest with respect to each Mortgage
Loan which is indicated by the Company to be a Second Lien (as reflected on the
Mortgage Loan Schedule), in either case, in the related Mortgaged Property
securing the related Mortgage Note;
(c) All payments due on or prior to the related Closing Date for
such Mortgage Loan have been made as of the related Closing Date, the Mortgage
Loan is not delinquent in payment more than 30 days and has not been dishonored;
there are no material defaults under the terms of the Mortgage Loan; the Company
has not advanced funds, or induced, solicited or knowingly received any advance
of funds from a party other than the owner of the Mortgaged Property subject to
the Mortgage, directly or indirectly, for the payment of any amount required by
the Mortgage Loan; no payment with respect to each Mortgage Loan has been
delinquent during the preceding twelve-month period;
(d) All taxes, governmental assessments, insurance premiums,
water, sewer and municipal charges, leasehold payments or ground rents which
previously became due and owing have been paid, or escrow funds have been
established in an amount sufficient to pay for every such escrowed item which
remains unpaid and which has been assessed but is not yet due and payable;
(e) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments which have been recorded to the extent any such recordation is
required by law. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, from the
terms thereof except in connection with an assumption agreement and which
assumption agreement is part of the Mortgage File and the terms of which are
reflected in the related Mortgage Loan Schedule; the substance of any such
waiver, alteration or modification has been approved by the issuer has been
approved by the issuer of any related title insurance policy, to the extent
required by the related policy.
(f) The Mortgage Note and the Mortgage are not subject to any
right of rescission, set-off, counterclaim or defense, including, without
limitation, the defense of usury, nor will the operation of any of the terms of
the Mortgage Note or the Mortgage, or the exercise of any right thereunder,
render the Mortgage Note or Mortgage unenforceable, in whole or in part, or
subject to any right of rescission, set-off, counterclaim or defense, including
the defense of usury, and no such right of rescission, set-off, counterclaim or
defense has been asserted with respect thereto; and the Mortgagor was not a
debtor in any state or federal bankruptcy or insolvency proceeding at the time
the Mortgage Loan was originated;
(g) All buildings or other customarily insured improvements upon
the Mortgaged Property are insured by an insurer acceptable under the ▇▇▇▇▇▇ Mae
Guides, against loss by fire, hazards of extended coverage and such other
hazards as are provided for in the ▇▇▇▇▇▇ ▇▇▇ Guides or by the ▇▇▇▇▇▇▇ Mac
Guides, in an amount representing coverage not less than the lesser of (i) the
maximum insurable value of the improvements securing such Mortgage Loans, and
(ii) the greater of (a) either (1) the outstanding principal balance of the
Mortgage Loan with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (2)
with respect to each Second Lien Mortgage Loan, the sum of the outstanding
principal balance of the first lien on such Mortgage Loan and the outstanding
principal balance of such Second Lien Mortgage Loan, and (b) an amount such that
the proceeds thereof shall be sufficient to prevent the Mortgagor and/or the
mortgagee from becoming a co-insurer, but in no event greater than the maximum
amount permitted under applicable law. All such standard hazard policies are in
full force and effect and on the date of origination contained a standard
mortgagee clause naming the Company and its successors in interest and assigns
as loss payee and such clause is still in effect and all premiums due thereon
have been paid. If required by the Flood Disaster Protection Act of 1973, as
amended, the Mortgage Loan is covered by a flood insurance policy meeting the
requirements of the current guidelines of the Federal Insurance Administration
which policy conforms to ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac requirements, in an amount
not less than the amount required by the Flood Disaster Protection Act of 1973,
as amended. Such policy was issued by an insurer acceptable under ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac guidelines. The Mortgage obligates the Mortgagor thereunder to
maintain all such insurance at the Mortgagor's cost and expense, and upon the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain
such insurance at the Mortgagor's cost and expense and to seek reimbursement
therefor from the Mortgagor;
(h) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth-in-lending, real estate settlement
procedures, consumer credit protection, equal credit opportunity, fair housing,
predatory and abusive lending, or disclosure laws applicable to the Company have
been complied with;
(i) The Mortgage has not been satisfied, canceled or subordinated
(other than the subordination of any Second Lien Mortgage Loan to the related
First Lien), in whole or in part, or rescinded, and the Mortgaged Property has
not been released from the lien of the Mortgage, in whole or in part nor has any
instrument been executed that would effect any such release, cancellation,
subordination or rescission. The Company has not waived the performance by the
Mortgagor of any action, if the Mortgagor's failure to perform such action would
cause the Mortgage Loan to be in default, nor has the Company waived any default
resulting from any action or inaction by the Mortgagor;
(j) The related Mortgage is a valid, subsisting, enforceable and
perfected (A) first lien and first priority security interest with respect to
each Mortgage Loan which is indicated by the Company to be a First Lien (as
reflected on the Mortgage Loan Schedule), or (B) second lien and second priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule), in either case, on the Mortgaged Property including all buildings on
the Mortgaged Property and all installations and mechanical, electrical,
plumbing, heating and air conditioning systems affixed to such buildings, and
all additions, alterations and replacements made at any time with respect to the
foregoing securing the Mortgage Note's original principal balance. The Mortgage
and the Mortgage Note do not contain any evidence of any security interest or
other interest or right thereto. Such lien is free and clear of all adverse
claims, liens and encumbrances having priority over the first lien of the
Mortgage subject only to (1) the lien of non-delinquent current real property
taxes and assessments not yet due and payable, (2) covenants, conditions and
restrictions, rights of way, easements and other matters of the public record as
of the date of recording which are acceptable to mortgage lending institutions
generally and either (A) which are referred to or otherwise considered in the
appraisal made for the originator of the Mortgage Loan, or (B) which do not
adversely affect the appraised value of the Mortgaged Property as set forth in
such appraisal, (3) other matters to which like properties are commonly subject
which do not materially interfere with the benefits of the security intended to
be provided by the Mortgage or the use, enjoyment, value or marketability of the
related Mortgaged Property and (4) with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security
agreement, chattel mortgage or equivalent document related to and delivered in
connection with the Mortgage Loan establishes and creates a valid, subsisting,
enforceable and perfected (A) first lien and first priority security interest
with respect to each Mortgage Loan which is indicated by the Company to be a
First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and
second priority security interest with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule), in either case, on the property described therein, and
the Company has the full right to sell and assign the same to the Purchaser;
(k) The Mortgage Note and the related Mortgage are original and
genuine and each is the legal, valid and binding obligation of the maker
thereof, enforceable in all respects in accordance with its terms subject to
bankruptcy, insolvency, moratorium, reorganization and other laws of general
application affecting the rights of creditors and by general equitable
principles and the Company has taken all action necessary to transfer such
rights of enforceability to the Purchaser. All parties to the Mortgage Note and
the Mortgage had the legal capacity to enter into the Mortgage Loan and to
execute and deliver the Mortgage Note and the Mortgage. The Mortgage Note and
the Mortgage have been duly and properly executed by such parties. No fraud,
error, omission, misrepresentation, negligence or similar occurrence with
respect to a Mortgage Loan has taken place on the part of the Company or the
Mortgagor, or, on the part of any other party involved in the origination of the
Mortgage Loan. The proceeds of the Mortgage Loan have been fully disbursed and
there is no requirement for future advances thereunder, and any and all
requirements as to completion of any on-site or off-site improvements and as to
disbursements of any escrow funds therefor have been complied with. All costs,
fees and expenses incurred in making or closing the Mortgage Loan and the
recording of the Mortgage were paid or are in the process of being paid, and the
Mortgagor is not entitled to any refund of any amounts paid or due under the
Mortgage Note or Mortgage;
(l) The Company is the sole owner of record and holder of the
Mortgage Loan and the indebtedness evidenced by the Mortgage Note, and upon
recordation the Purchaser or its designee will be the owner of record of the
Mortgage and the indebtedness evidenced by the Mortgage Note, and upon the sale
of the Mortgage Loan to the Purchaser, the Company will retain the Servicing
File in trust for the Purchaser only for the purpose of interim servicing and
supervising the interim servicing of the Mortgage Loan. Immediately prior to the
transfer and assignment to the Purchaser on the related Closing Date, the
Mortgage Loan, including the Mortgage Note and the Mortgage, were not subject to
an assignment or pledge, and the Company had good and marketable title to and
was the sole owner thereof and had full right to transfer and sell the Mortgage
Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge,
charge, claim or security interest and has the full right and authority subject
to no interest or participation of, or agreement with, any other party, to sell
and assign the Mortgage Loan pursuant to this Agreement and following the sale
of the Mortgage Loan, the Purchaser will own such Mortgage Loan free and clear
of any encumbrance, equity, participation interest, lien, pledge, charge, claim
or security interest. The Company intends to relinquish all rights to possess,
control and monitor the Mortgage Loan, except for the purposes of servicing the
Mortgage Loan as set forth in this Agreement. Either the Mortgagor is a natural
person or the Mortgagor is an inter-vivos trust acceptable to ▇▇▇▇▇▇ Mae. With
respect to each inter-vivos trust, holding title to the Mortgaged Property in
such trust will not diminish any rights as a creditor including the right to
full title to the Mortgaged Property in the event foreclosure proceedings are
initiated;
(m) Each Mortgage Loan is covered by an ALTA lender's title
insurance policy issued by a title insurer acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇
Mac and qualified to do business in the jurisdiction where the Mortgaged
Property is located, insuring (subject to the exceptions contained in (j)(1),
(2) and (3) above and, with respect to each Mortgage Loan which is indicated by
the Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule) clause (4)) the Company, its successors and assigns, as to the first
(or, where applicable, second) priority lien of the Mortgage in the original
principal amount of the Mortgage Loan and, with respect to each Adjustable Rate
Mortgage Loan, against any loss by reason of the invalidity or unenforceability
of the lien resulting from the provisions of the Mortgage providing for
adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such
policy affirmatively insures ingress and egress to and from the Mortgaged
Property. Where required by applicable state law or regulation, the Mortgagor
has been given the opportunity to choose the carrier of the required mortgage
title insurance. The Company, its successors and assigns, are the sole insureds
of such lender's title insurance policy, such title insurance policy has been
duly and validly endorsed to the Purchaser or the assignment to the Purchaser of
the Company's interest therein does not require the consent of or notification
to the insurer and such lender's title insurance policy is in full force and
effect and will be in full force and effect upon the consummation of the
transactions contemplated by this Agreement and the related Confirmation. No
claims have been made under such lender's title insurance policy, and neither
the Company, nor to the Company's knowledge any prior holder of the related
Mortgage, has done, by act or omission, anything which would impair the coverage
of such lender's title insurance policy;
(n) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the related Mortgage Note and no
event which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or event
permitting acceleration; and neither the Company nor any prior mortgagee has
waived any default, breach, violation or event permitting acceleration. With
respect to each Mortgage Loan which is indicated by the Company to be a Second
Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First
Lien is in full force and effect, (ii) there is no default, breach, violation or
event of acceleration existing under such First Lien mortgage or the related
mortgage note, (iii) to the best of Company's knowledge, no event which, with
the passage of time or with notice and the expiration of any grace or cure
period, would constitute a default, breach, violation or event of acceleration
thereunder, and either (A) the First Lien mortgage contains a provision which
allows or (B) applicable law requires, the mortgagee under the Second Lien
Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to
cure any default by payment in full or otherwise under the First Lien mortgage;
(o) To the Company's knowledge, there are no mechanics' or
similar liens or claims which have been filed for work, labor or material (and
no rights are outstanding that under law could give rise to such liens)
affecting the related Mortgaged Property which are or may be liens prior to or
equal to the lien of the related Mortgage;
(p) To the Company's knowledge, all improvements subject to the
Mortgage which were considered in determining the Appraised Value of the
Mortgaged Property lie wholly within the boundaries and building restriction
lines of the Mortgaged Property (and wholly within the project with respect to a
condominium unit) and no improvements on adjoining properties encroach upon the
Mortgaged Property except those which are insured against by the title insurance
policy referred to in clause (m) above and all improvements on the property
comply with all applicable zoning and subdivision laws and ordinances;
(q) The Mortgage Loan was originated by or for the Company. The
Mortgage Loan complies with all the terms, conditions and requirements of the
Company's Underwriting Standards in effect at the time of origination of such
Mortgage Loan. The Mortgage Notes and Mortgages (exclusive of any riders) are on
forms generally acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac. The Company is
currently selling loans to ▇▇▇▇▇▇ Mae and/or ▇▇▇▇▇▇▇ Mac which are the same
document forms as the Mortgage Notes and Mortgages (inclusive of any riders).
The Mortgage Loan bears interest at the Mortgage Interest Rate set forth in the
related Mortgage Loan Schedule, and Monthly Payments under the Mortgage Note are
due and payable on the first day of each month. The Mortgage contains the usual
and enforceable provisions of the originator at the time of origination for the
acceleration of the payment of the unpaid principal amount of the Mortgage Loan
if the related Mortgaged Property is sold without the prior consent of the
mortgagee thereunder;
(r) To the Company's knowledge, the Mortgaged Property is not
subject to any material damage by waste, fire, earthquake, windstorm, flood or
other casualty. At origination of the Mortgage Loan there was, and there
currently is, no proceeding pending for the total or partial condemnation of the
Mortgaged Property. There have not been any condemnation proceedings with
respect to the Mortgaged Property and to the Company's knowledge there are no
such proceedings scheduled to commence at a future date;
(s) The related Mortgage contains customary and enforceable
provisions such as to render the rights and remedies of the holder thereof
adequate for the realization against the Mortgaged Property of the benefits of
the security provided thereby. There is no homestead or other exemption
available to the Mortgagor which would interfere with the right to sell the
Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;
(t) If the Mortgage constitutes a deed of trust, a trustee,
authorized and duly qualified if required under applicable law to act as such,
has been properly designated and currently so serves and is named in the
Mortgage, and no fees or expenses are or will become payable by the Purchaser to
the trustee under the deed of trust, except in connection with a trustee's sale
or attempted sale after default by the Mortgagor; (u) The Mortgage File contains
an appraisal of the related Mortgaged Property which, (a) with respect to First
Lien Mortgage Loans, is on appraisal form 1004 or form 2055 with an interior
inspection, or (b) with respect to Second Lien Mortgage Loans, is on appraisal
form 704, 2065 or 2055, and (c) with respect to (a) or (b) above was signed
prior to the final approval of the mortgage loan application by a Qualified
Appraiser, who had no interest, direct or indirect, in the Mortgaged Property or
in any loan made on the security thereof, and whose compensation is not affected
by the approval or disapproval of the Mortgage Loan, and the appraisal and
appraiser both satisfy the requirements of ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and Title
XI of FIRREA and the regulations promulgated thereunder, all as in effect on the
date the Mortgage Loan was originated. The appraisal is in a form acceptable to
▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac;
(v) All parties which have had any interest in the Mortgage,
whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period
in which they held and disposed of such interest, were) (A) in compliance with
any and all applicable licensing requirements of the laws of the state wherein
the Mortgaged Property is located, and (B) (1) organized under the laws of such
state, or (2) qualified to do business in such state, or (3) federal savings and
loan associations or national banks or a Federal Home Loan Bank or savings bank
having principal offices in such state, or (4) not doing business in such state;
(w) The related Mortgage Note is not and has not been secured by
any collateral except the lien of the corresponding Mortgage and the security
interest of any applicable security agreement or chattel mortgage referred to in
(j) above and such collateral does not serve as security for any other
obligation;
(x) The Mortgagor has received all disclosure materials required
by applicable law with respect to the making of such mortgage loans;
(y) The Mortgage Loan does not contain "graduated payment"
features and does not have a shared appreciation or other contingent interest
feature; no Mortgage Loan contains any buydown provisions;
(z) The Mortgagor is not in bankruptcy and the Mortgagor is not
insolvent and the Company has no knowledge of any circumstances or condition
with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the
Mortgagor's credit standing that could reasonably be expected to cause investors
to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
Loan to become delinquent, or materially adversely affect the value or
marketability of the Mortgage Loan;
(aa) Principal payments on the Mortgage Loan commenced no more
than sixty (60) days after the funds were disbursed in connection with the
Mortgage Loan. The Mortgage Loans have an original term to maturity of not more
than 30 years, with interest payable in arrears on the first day of each month.
Each Mortgage Note requires a monthly payment which is sufficient to fully
amortize the original principal balance over the original term thereof and to
pay interest at the related Mortgage Interest Rate. No Mortgage Loan contains
terms or provisions which would result in negative amortization. No Mortgage
Loan provides for the capitalization or forbearance of interest;
(bb) No Mortgage Loan is subject to a lender-paid mortgage
insurance policy;
(cc) As to any Mortgage Loan which is not a MERS Mortgage Loan,
the Assignment of Mortgage is in recordable form and is acceptable for recording
under the laws of the jurisdiction in which the Mortgaged Property is located;
(dd) The Mortgaged Property is located in the state identified in
the related Mortgage Loan Schedule and consists of a single parcel of real
property with a detached single family residence erected thereon, or a
townhouse, or a two-to four-family dwelling, or an individual condominium unit
in a condominium project, or an individual unit in a planned unit development or
a de minimis planned unit development, provided, however, that no residence or
dwelling is a single parcel of real property with a cooperative housing
corporation erected thereon, or a mobile home. As of the date of origination, no
portion of the Mortgaged Property was used for commercial purposes, and since
the date or origination no portion of the Mortgaged Property has been used for
commercial purposes;
(ee) Except as set forth on the related Mortgage Loan Schedule,
none of the Mortgage Loans are subject to a Prepayment Penalty. For any Mortgage
Loan originated prior to October 1, 2002 that is subject to a Prepayment
Penalty, such prepayment penalty does not extend beyond five years after the
date of origination. For any Mortgage Loan originated on or following October 1,
2002 that is subject to a Prepayment Penalty, such prepayment penalty does not
extend beyond three years after the date of origination. Any such prepayment
penalty is enforceable and was originated in compliance with all applicable
federal, state, and local laws. With respect to any Mortgage Loan that contains
a provision permitting imposition of a premium upon a prepayment prior to
maturity: (i) prior to the loan's origination, the Mortgagor agreed to such
premium in exchange for a monetary benefit, including but not limited to a rate
or fee reduction, (ii) prior to the loan's origination, the Mortgagor was
offered the option of obtaining a Mortgage Loan that did not require payment of
such a premium, (iii) the prepayment premium is disclosed to the Mortgagor in
the loan documents pursuant to applicable state and federal law, (iv) for
Mortgage Loans originated on or after September 1, 2004, the duration of the
prepayment period shall not exceed three (3) years from the date of the Mortgage
Note, unless the Mortgage Loan was modified to reduce the prepayment period to
no more than three years from the date of the Mortgage Note and the Mortgagor
was notified in writing of such reduction in prepayment period, and (v)
notwithstanding any state or federal law to the contrary, the Company shall not
impose such prepayment premium in any instance when the mortgage debt is
accelerated as the result of the Mortgagor's default in making the loan
payments;
(ff) The Mortgaged Property is lawfully occupied under applicable
law, and all inspections, licenses and certificates required to be made or
issued with respect to all occupied portions of the Mortgaged Property and, with
respect to the use and occupancy of the same, including but not limited to
certificates of occupancy and fire underwriting certificates, have been made or
obtained from the appropriate authorities;
(gg) If the Mortgaged Property is a condominium unit or a planned
unit development (other than a de minimis planned unit development), or stock in
a cooperative housing corporation, such condominium, cooperative or planned unit
development project meets the eligibility requirements of ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇
Mac;
(hh) There is no pending action or proceeding directly involving
the Mortgaged Property in which compliance with any environmental law, rule or
regulation is an issue; to Company's knowledge there is no violation of any
environmental law, rule or regulation with respect to the Mortgaged Property;
and to Company's knowledge, nothing further remains to be done to satisfy in
full all requirements of each such law, rule or regulation constituting a
prerequisite to use and enjoyment of said property;
(ii) The Mortgagor has not notified the Company requesting relief
under the Soldiers' and Sailors' Civil Relief Act of 1940 or the Servicemembers
Civil Relief Act, and the Company has no knowledge of any relief requested or
allowed to the Mortgagor under the Soldiers' and Sailors' Civil Relief Act of
1940 or the Servicemembers Civil Relief Act or any similar state laws;
(jj) As of the related Closing Date, no Mortgage Loan was in
construction or rehabilitation status or has facilitated the trade-in or
exchange of a Mortgaged Property;
(kk) No action has been taken or failed to be taken on or prior
to the related Closing Date which has resulted or will result in an exclusion
from, denial of, or defense to coverage under any insurance policy related to a
Mortgage Loan (including, without limitation, any exclusions, denials or
defenses which would limit or reduce the availability of the timely payment of
the full amount of the loss otherwise due thereunder to the insured) whether
arising out of actions, representations, errors, omissions, negligence, or
fraud, or for any other reason under such coverage;
(ll) The Mortgage Loan was originated by a mortgagee approved by
the Secretary of Housing and Urban Development pursuant to sections 203 and 211
of the National Housing Act, a savings and loan association, a savings bank, a
commercial bank, credit union, insurance company or similar institution which is
supervised and examined by a federal or state authority;
(mm) No Mortgaged Property is subject to a ground lease;
(nn) With respect to any broker fees collected and paid on any of
the Mortgage Loans, all broker fees have been properly assessed to the Mortgagor
and no claims will arise as to broker fees that are double charged and for which
the Mortgagor would be entitled to reimbursement;
(oo) With respect to any Mortgage Loan as to which an affidavit
has been delivered to the Purchaser certifying that the original Mortgage Note
has been lost or destroyed and not been replaced, if such Mortgage Loan is
subsequently in default, the enforcement of such Mortgage Loan will not be
materially adversely affected by the absence of the original Mortgage Note;
(pp) Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(qq) Except as provided in Section 2.06, the Mortgage Note, the
Mortgage, the Assignment of Mortgage and the other Mortgage Loan Documents set
forth in Exhibit A-1 and required to be delivered on the related Closing Date
have been delivered to the Purchaser or its designee all in compliance with the
specific requirements of this Agreement. With respect to each Mortgage Loan, the
Company is in possession of a complete Mortgage File and Servicing File except
for such documents as have been delivered to the Purchaser or its designee;
(rr) All information supplied by, on behalf of, or concerning the
Mortgagor is true, accurate and complete and does not contain any statement that
is or will be inaccurate or misleading in any material respect;
(ss) To Company's knowledge, there does not exist on the related
Mortgaged Property any hazardous substances, hazardous wastes or solid wastes,
as such terms are defined in the Comprehensive Environmental Response
Compensation and Liability Act, the Resource Conservation and Recovery Act of
1976, or other federal, state or local environmental legislation;
(tt) No Mortgage Loan had a Loan-to-Value Ratio at the time of
origination of more than 100% and no Mortgage Loan had a Combined Loan-to-Value
Ratio at the time of origination of more than 100%;
(uu) None of the Mortgage Loans are (a) subject to, covered by or
in violation of the Home Ownership and Equity Protection Act of 1994 ("HOEPA"),
(b) classified as "high cost," "covered," "high risk home," "high-rate,
high-fee," "threshold," or "predatory" loans under HOEPA or any other applicable
state, federal or local law, including any predatory or abusive lending laws (or
similarly classified loans using different terminology under a law imposing
heightened regulatory scrutiny or additional legal liability for residential
mortgage loans having high interest rates, points and/or fees), (c) a High Cost
Loan or Covered Loan, as applicable (as such terms are defined in the current
Standard & Poor's LEVELS(R) Glossary Revised, Appendix E) or (d) in violation of
any state law or ordinance similar to HOEPA;
(vv) No Mortgagor was required to purchase any credit life,
disability, accident or health insurance product as a condition of obtaining the
extension of credit. No Mortgagor obtained a prepaid single premium credit life,
disability, unemployment, property, mortgage, accident or health insurance
policy in connection with the origination of the Mortgage Loan; None of the
proceeds of the Mortgage Loan were used to purchase or finance single-premium
credit life or disability insurance policies or any comparable insurance;
(ww) Any principal advances made to the Mortgagor prior to the
related Closing Date have been consolidated with the outstanding principal
amount secured by the Mortgage, and the secured principal amount, as
consolidated, bears a single interest rate and single repayment term. The lien
of the Mortgage securing the consolidated principal amount is expressly insured
as having (A) first lien priority with respect to each Mortgage Loan which is
indicated by the Company to be a First Lien (as reflected on the Mortgage Loan
Schedule), or (B) second lien priority with respect to each Mortgage Loan which
is indicated by the Company to be a Second Lien Mortgage Loan (as reflected on
the Mortgage Loan Data Transmission), in either case, by a title insurance
policy, an endorsement to the policy insuring the mortgagee's consolidated
interest or by other title evidence acceptable to ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac.
The consolidated principal amount does not exceed the original principal amount
of the Mortgage Loan;
(xx) Interest on each Mortgage Loan is calculated on the basis of
a 360-day year consisting of twelve 30-day months;
(yy) No Mortgage Loan is a Balloon Mortgage Loan;
(zz) With respect to each MERS Mortgage Loan, a MIN has been
assigned by MERS and such MIN is accurately provided on the related Mortgage
Loan Schedule. The related assignment of Mortgage to MERS has been duly and
properly recorded;
(aaa) With respect to each MERS Mortgage Loan, the Company has
not received any notice of liens or legal actions with respect to such Mortgage
Loan and no such notices have been electronically posted by MERS;
(bbb) Any Mortgaged Property that is considered manufactured
housing shall be legally classified as real property, is permanently affixed to
a foundation and must assume the characteristics of site-built housing and must
otherwise conform to the requirements of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac;
(ccc) With respect to each Mortgage Loan, the Company has fully
and accurately furnished complete information on the related borrower credit
files to Equifax, Experian and Trans Union Credit Information Company, in
accordance with the Fair Credit Reporting Act and its implementing regulations,
on a monthly basis and the Company will fully furnish, in accordance with the
Fair Credit Reporting Act and its implementing regulations, accurate and
complete information on its borrower credit files to Equifax, Experian, and
Trans Union Credit Information Company, on a monthly basis.
(ddd) The Company has complied with all applicable anti-money
laundering laws and regulations, including without limitation the USA Patriot
Act of 2001 (collectively, the "Anti-Money Laundering Laws"); the Company has
established an anti-money laundering compliance program as required by the
Anti-Money Laundering Laws, has conducted the requisite due diligence in
connection with the origination of each Mortgage Loan for purposes of the
Anti-Money Laundering Laws, including with respect to the legitimacy of the
applicable Mortgagor and the origin of the assets used by the said Mortgagor to
purchase the property in question, and maintains, and will maintain, sufficient
information to identify the applicable Mortgagor for purposes of the Anti-Money
Laundering Laws. No Mortgage Loan is subject to nullification pursuant to
Executive Order 13224 (the "Executive Order") or the regulations promulgated by
the Office of Foreign Assets Control of the United States Department of the
Treasury (the "OFAC Regulations") or in violation of the Executive Order or the
OFAC Regulations, and no Mortgagor is subject to the provisions of such
Executive Order or the OFAC Regulations nor listed as a "blocked person" for
purposes of the OFAC Regulations;
(eee) With respect to each Mortgage Loan which is a Second Lien
Mortgage Loan (i) if the related first lien provides for negative amortization,
the LTV was calculated at the maximum principal balance of such first lien that
could result upon application of such negative amortization feature, and (ii)
either no consent for the Mortgage Loan is required by the holder of the first
lien or such consent has been obtained and is contained in the Mortgage File;
(fff) No predatory or deceptive lending practices, including but
not limited to, the extension of credit to the applicable Mortgagor without
regard for said Mortgagor's ability to repay the Mortgage Loan and the extension
of credit to said Mortgagor which has no apparent benefit to said Mortgagor,
were employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the
anti-predatory lending eligibility for purchase requirements of ▇▇▇▇▇▇ Mae's
Selling Guide;
(ggg) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Georgia Fair Lending Act, as amended (the "Georgia Act") or New York Banking
Law 6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(hhh) No Mortgage Loan (a) is secured by property located in the
State of New York; (b) had an unpaid principal balance at origination of
$300,000 or less, and (c) has an application date on or after April 1, 2003, the
terms of which Mortgage Loan equal or exceed either the APR or the points and
fees threshold for "high-cost home loans," as defined in Section 6-L of the New
York State Banking Law;
(iii) No Mortgagor was encouraged or required to select a
Mortgage Loan product offered by the Mortgage Loan's originator which is a
higher cost product designed for less creditworthy borrowers, unless at the time
of the Mortgage Loan's origination, such Mortgagor did not qualify taking into
account credit history and debt to income ratios for a lower cost credit product
then offered by the Mortgage Loan's originator or any affiliate of the Mortgage
Loan's originator. If, at the time of loan application, the Mortgagor may have
qualified for a lower cost credit product then offered by any mortgage lending
affiliate of the Mortgage Loan's originator, the Mortgage Loan's originator
referred the Mortgagor's application to such affiliate for underwriting
consideration;
(jjj) The methodology used in underwriting the extension of
credit for each Mortgage Loan employs objective mathematical principles which
relate the Mortgagor's income, assets and liabilities to the proposed payment
and such underwriting methodology does not rely on the extent of the Mortgagor's
equity in the collateral as the principal determining factor in approving such
credit extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the Mortgagor had a reasonable ability to
make timely payments on the Mortgage Loan;
(kkk) All fees and charges (including finance charges) and
whether or not financed, assessed, collected or to be collected in connection
with the origination and servicing of each Loan have been disclosed in writing
to the Mortgagor in accordance with applicable state and federal law and
regulation;
(lll) All points and fees related to each Mortgage Loan were
disclosed in writing to the related Mortgagor in accordance with applicable
state and federal law and regulation. Except in the case of a Mortgage Loan in
an original principal amount of less than $60,000 which would have resulted in
an unprofitable origination, no related Mortgagor was charged "points and fees"
(whether or not financed) in an amount greater than 5% of the principal amount
of such loan, such 5% limitation is calculated in accordance with ▇▇▇▇▇▇ Mae's
anti-predatory lending requirements as set forth in the ▇▇▇▇▇▇ Mae Selling
Guide;\
(mmm) The Company will transmit full-file credit reporting data
for each Mortgage Loan pursuant to ▇▇▇▇▇▇ ▇▇▇ Guide Announcement 95-19 and for
each Loan, Company agrees it shall report one of the following statuses each
month as follows: new origination, current, delinquent (30-, 60-, 90-days,
etc.), foreclosed, or charged-off;
(nnn) As of the related Closing Date, each Loan is eligible for
sale in the secondary mortgage market or for securitization without unreasonable
credit enhancement.
(ooo) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Arkansas Home Loan Protection Act effective July 16, 2003 (Act 1340 or
2003);
(ppp) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat.
Section 360.100).
(qqq) No Mortgage Loan secured by property located in the State
of Nevada is a "home loan" as defined in the Nevada Assembly ▇▇▇▇ No. 284;
(rrr) No Mortgage Loan originated in the City of Oakland is
subject to the City of Oakland, California Ordinance 12361, (the "Ordinance") as
a home loan;
(sss) No Mortgage Loan is a subsection 10 mortgage under the
Oklahoma Home Ownership and Equity Protection Act;
(ttt) No Mortgage Loan is a "High-Risk Home Loan" as defined in
the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp.
Stat. 137/1 et seq.);
(uuu) No Mortgage Loan is a "High-Cost Home Loan" as defined in
the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat.
▇▇▇. ▇▇.▇▇. 58-21A-1 et seq.);
(vvv) No Mortgage Loan is a "High-Cost Home Loan" under the New
Jersey Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage
Loan subject to the NJ Act is considered under the NJ Act as, either, a (1)
purchase money Home Loan, (2) purchase money Covered Loan, or (3) a rate/term
refinance Home Loan;
(www) No Mortgage Loan originated in the city of Los Angeles,
California on or after the effective date of the Los Angeles, California
anti-predatory lending ordinance is a "high-cost refinance home loan" under such
ordinance;
(xxx) No Mortgage Loan that is secured by property located within
the State of Maine meets the definition of a (i) "high-rate, high-fee" mortgage
loan under Article VIII, Title 9-A of the Maine Consumer Credit Code No Mortgage
Loan or (ii) "High-Cost Home Loan" as defined under the Maine House ▇▇▇▇ 383
▇.▇. 494, effective as of September 13, 2003;
(yyy) No Mortgagor agreed to submit to arbitration to resolve any
dispute arising out of or relating in any way to the Mortgage Loan transaction;
(zzz) The Mortgage File contains an appraisal of the related
Mortgaged Property which satisfied the standards of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac
and was made and signed, prior to the approval of the Mortgage Loan application,
by a qualified appraiser, duly appointed by the Company, who had no interest,
direct or indirect in the Mortgaged Property or in any loan made on the security
thereof, whose compensation is not affected by the approval or disapproval of
the Mortgage Loan and who met the minimum qualifications of ▇▇▇▇▇▇ Mae and
▇▇▇▇▇▇▇ Mac. Each appraisal of the Mortgage Loan was made in accordance with the
relevant provisions of the Financial Institutions Reform, Recovery, and
Enforcement Act of 1989;
(aaaa) The Mortgagor has not made or caused to be made any
payment in the nature of an `average' or `yield spread premium' to a mortgage
broker or a like Person which has not been fully disclosed to the Mortgagor; and
(bbbb) No Mortgage Loan secured by a Mortgaged Property located
in the Commonwealth of Massachusetts was made to pay off or refinance an
existing loan or other debt of the related borrower (as the term "borrower" is
defined in the regulations promulgated by the Massachusetts Secretary of State
in connection with Massachusetts House ▇▇▇▇ 4880 (2004)) unless (a) the related
Mortgage Interest Rate (that would be effective once the introductory rate
expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed
by more than 2.25% the yield on United States Treasury securities having
comparable periods of maturity to the maturity of the related Mortgage Loan as
of the fifteenth day of the month immediately preceding the month in which the
application for the extension of credit was received by the related lender or
(b) the Mortgage Loan is an "open-ended home loan" (as such term is used in the
Massachusetts House ▇▇▇▇ 4880 (2004)) and the related Mortgage Note provides
that the related Mortgage Interest Rate may not exceed at any time the Prime
rate index as published in the Wall Street Journal plus a margin of one percent.
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006, ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and First Street Financial,
Inc. (the "Company"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
1. The Assignor hereby assigns to the Assignee (a) all of the
right, title and interest of the Assignor, as purchaser, in, to and under,
except as described below, that certain Master Seller's Purchase, Warranties and
Interim Servicing Agreement dated as of August 1, 2004, as amended (the
"PURCHASE AGREEMENT"), between the Assignor, as purchaser (the "PURCHASER"), and
the Company, as seller, solely insofar as the Purchase Agreement relates to the
mortgage loans set forth on the Schedule (the "MORTGAGE LOAN SCHEDULE") attached
hereto as EXHIBIT A (the "MORTGAGE LOANS") and (b) other than as provided below
with respect to the enforcement of representations and warranties, none of the
obligations of the Assignor under the Purchase Agreement.
The Assignor specifically reserves and does not assign to the
Assignee hereunder any and all right, title and interest in, to and under and
any obligations of the Assignor with respect to any mortgage loans subject to
the Purchase Agreement which are not the Mortgage Loans set forth on the
Mortgage Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
2. From and after the date hereof, the Company shall and does
hereby recognize that the Assignee will transfer the Mortgage Loans and assign
its rights under the Purchase Agreement (solely to the extent set forth herein)
and this Agreement to MASTR Asset Backed Securities Trust 2006-HE1 (the "TRUST")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "POOLING AGREEMENT"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer and trust administrator (in such capacity, the "MASTER SERVICER"
and "TRUST ADMINISTRATOR") and servicer (in such capacity, the "SERVICER"),
JPMorgan Chase Bank, National Association as servicer (in such capacity, the
"SERVICER") and U.S. Bank National Association, as trustee (including its
successors in interest and any successor trustees under the Pooling Agreement,
the "TRUSTEE"). The Company hereby acknowledges and agrees that from and after
the date hereof (i) the Trust will be the owner of the Mortgage Loans, (ii) the
Company shall look solely to the Trust for performance of any obligations of the
Assignor insofar as they relate to the enforcement of the representations,
warranties and covenants with respect to the Mortgage Loans, (iii) the Trust
(including the Trustee, the Trust Administrator and the Master Servicer acting
on the Trust's behalf) shall have all the rights and remedies available to the
Assignor, insofar as they relate to the Mortgage Loans, under the Purchase
Agreement, including, without limitation, the enforcement of the document
delivery requirements and remedies with respect to breaches of representations
and warranties set forth in the Purchase Agreement, and shall be entitled to
enforce all of the obligations of the Company thereunder insofar as they relate
to the Mortgage Loans, and (iv) all references to the Purchaser (insofar as they
relate to the rights, title and interest and, with respect to obligations of the
Purchaser, only insofar as they relate to the enforcement of the
representations, warranties and covenants of the Company) or the Custodian under
the Purchase Agreement insofar as they relate to the Mortgage Loans, shall be
deemed to refer to the Trust (including the Trustee, the Trust Administrator and
the Master Servicer acting on the Trust's behalf). Neither the Company nor the
Assignor shall amend or agree to amend, modify, waiver, or otherwise alter any
of the terms or provisions of the Purchase Agreement which amendment,
modification, waiver or other alteration would in any way affect the Mortgage
Loans or the Company's performance under the Purchase Agreement with respect to
the Mortgage Loans without the prior written consent of the Trustee and the
Trust Administrator.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
3. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) Attached hereto as EXHIBIT B is a true and accurate copy
of the representations and warranties set forth in Sections 3.01 and
3.02 of the Purchase Agreement, which Purchase Agreement is in full
force and effect as of the date hereof and the provisions of which
have not been waived, amended or modified in any respect, nor has
any notice of termination been given thereunder;
(b) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(c) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(d) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement except as has already been obtained; and
(e) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
4. Pursuant to Section 8.01(b)(iii) of the Purchase Agreement,
the Company hereby represents and warrants, for the benefit of the Assignor, the
Assignee and the Trust, that the representations and warranties set forth in
Sections 3.01 and 3.02 of the Purchase Agreement, are true and correct as of the
date hereof as if such representations and warranties were made on the date
hereof.
5. The Assignor hereby makes the following representation and
warranty as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws;
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E); and
(d) There is no Mortgage Loan that was originated on or after
March 7, 2003, which is a "high cost home loan" as defined under the
Georgia Fair Lending Act.
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
6. The Company hereby acknowledges and agrees that the remedies
available to the Assignor, the Assignee and the Trust (including the Trustee and
the Master Servicer acting on the Trust's behalf) in connection with any breach
of the representations and warranties made by the Company set forth in Sections
3 and 4 hereof shall be as set forth in Subsection 3.03 of the Purchase
Agreement as if they were set forth herein (including without limitation the
repurchase and indemnity obligations set forth therein). It is understood by the
parties hereto that a breach of the representations and warranties made in
Subsections 3.02 (h), (n), (ee), (pp), (uu), (vv), (bbb), (ccc), (ggg), (jjj),
(kkk), (yyy), (dddd) and (eeee) will be deemed to materially and adversely
affect the value of the related Mortgage Loan or the interest of the Purchaser
therein.
The Assignor hereby acknowledges and agrees that the remedies
available to the the Assignee and the Trust (including the Trustee and the
Master Servicer acting on the Trust's behalf) in connection with any breach of
the representations and warranties made by the Assignor set forth in Section 5
hereof shall be as set forth in Section 2.03 of the Pooling and Servicing
Agreement as if they were set forth herein (including without limitation the
repurchase obligations set forth therein). The Assignor hereby acknowledges and
agrees that a breach of any one of the representations set forth in Section 5
above will be deemed to materially adversely affect the interests of the
certificateholders and shall require a repurchase of the affected Mortgage
Loan(s).
MISCELLANEOUS
7. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
8. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee and the Trust Administrator.
9. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee, the Trust Administrator and the Master Servicer acting on the Trust's
behalf). Any entity into which Assignor, Assignee or Company may be merged or
consolidated shall, without the requirement for any further writing, be deemed
Assignor, Assignee or Company, respectively, hereunder.
10. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
11. This Agreement may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
12. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
13. Capitalized terms used in this Agreement (including the
exhibits hereto) but not defined in this Agreement shall have the meanings given
to such terms in the Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:
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Name:
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Title:
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MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
By:
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Name:
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Title:
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FIRST STREET FINANCIAL, INC.
By:
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Name:
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Title:
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EXHIBIT A
Mortgage Loan Schedule
EXHIBIT B
Section 3.01 REPRESENTATIONS AND WARRANTIES OF THE COMPANY.
The Company represents, warrants and covenants to the Purchaser
that as of each Closing Date and as of each Servicing Transfer Date or as of
such date specifically provided herein:
(a) The Company is a corporation duly organized and validly
existing under the laws of the State of California. The Company has all licenses
necessary to carry out its business as now being conducted, and is licensed and
qualified to transact business in and is in good standing under the laws of each
state in which any Mortgaged Property is located or is otherwise exempt under
applicable law from such licensing or qualification or is otherwise not required
under applicable law to effect such licensing or qualification and no demand for
such licensing or qualification has been made upon the Company by any such
state, and in any event the Company is in compliance with the laws of any such
state to the extent necessary to ensure the enforceability of each Mortgage Loan
and the interim servicing of the Mortgage Loans in accordance with the terms of
this Agreement. No licenses or approvals obtained by the Company have been
suspended or revoked by any court, administrative agency, arbitrator or
governmental body and no proceedings are pending which might result in such
suspension or revocation;
(b) The Company has the full power and authority and legal right
to hold, transfer and convey each Mortgage Loan, to sell each Mortgage Loan and
to execute, deliver and perform, and to enter into and consummate all
transactions contemplated by this Agreement and the related Confirmation and to
conduct its business as presently conducted; the Company has duly authorized the
execution, delivery and performance of this Agreement and any agreements
contemplated hereby, has duly executed and delivered this Agreement and the
related Confirmation, and any agreements contemplated hereby, and this Agreement
and the related Confirmation and each Assignment of Mortgage to the Purchaser
and any agreements contemplated hereby, constitute the legal, valid and binding
obligations of the Company, enforceable against it in accordance with their
respective terms, except as such enforceability may be limited by bankruptcy,
insolvency, moratorium, reorganization and similar laws, and by equitable
principles affecting the enforceability of the rights of creditors; and all
requisite corporate action has been taken by the Company to make this Agreement,
the related Confirmation and all agreements contemplated hereby valid and
binding upon the Company in accordance with their terms;
(c) Neither the execution and delivery of this Agreement, the
related Confirmation, the sale of the Mortgage Loans to the Purchaser, the
consummation of the transactions contemplated hereby, nor the fulfillment of or
compliance with the terms and conditions of this Agreement and the related
Confirmation will conflict with any of the terms, conditions or provisions of
the Company's charter or by-laws or materially conflict with or result in a
material breach of any of the terms, conditions or provisions of any legal
restriction or any agreement or instrument to which the Company is now a party
or by which it is bound, or constitute a default or result in an acceleration
under any of the foregoing, or result in the material violation of any law,
rule, regulation, order, judgment or decree to which the Company or its property
is subject;
(d) There is no litigation, suit, proceeding or investigation
pending or threatened, or any order or decree outstanding, which is reasonably
likely to have a material adverse effect on the sale of the Mortgage Loans, the
execution, delivery, performance or enforceability of this Agreement or the
related Confirmation, or which is reasonably likely to have a material adverse
effect on the financial condition of the Company;
(e) No consent, approval, authorization or order of any court or
governmental agency or body is required for the execution, delivery and
performance by the Company of or compliance by the Company with this Agreement
and the related Confirmation, except for consents, approvals, authorizations and
orders which have been obtained;
(f) The consummation of the transactions contemplated by this
Agreement and the related Confirmation are in the ordinary course of business of
the Company, and the transfer, assignment and conveyance of the Mortgage Notes
and the Mortgages by the Company pursuant to this Agreement and the related
Confirmation are not subject to bulk transfer or any similar statutory
provisions in effect in any applicable jurisdiction;
(g) The origination, servicing and collection practices with
respect to each Mortgage Note and Mortgage have been legal and in accordance
with applicable laws and regulations, and in all material respects in accordance
with Accepted Servicing Practices. The Company further represents and warrants
that: with respect to escrow deposits and payments that the Company is entitled
to collect, all such payments are in the possession of, or under the control of,
the Company or its delegate, and there exist no deficiencies in connection
therewith for which customary arrangements for repayment thereof have not been
made; all escrow payments have been collected and are being maintained in full
compliance with applicable state and federal law and the provisions of the
related Mortgage Note and Mortgage; as to any Mortgage Loan that is the subject
of an escrow, escrow of funds is not prohibited by applicable law and has been
established in an amount sufficient to pay for every escrowed item that remains
unpaid and has been assessed but is not yet due and payable; no escrow deposits
or other charges or payments due under the Mortgage Note have been capitalized
under any Mortgage or the related Mortgage Note; all Mortgage Interest Rate
adjustments have been made in strict compliance with state and federal law and
the terms of the related Mortgage Note; and any interest required to be paid
pursuant to state and local law has been properly paid and credited;
(h) The Company has not used selection procedures that identified
the Mortgage Loans as being less desirable or valuable than other comparable
mortgage loans in the Company's portfolio at the related Closing Date;
(i) The Company will treat the transfer of the Mortgage Loans to
the Purchaser as a sale for reporting and accounting purposes and, to the extent
appropriate, for federal income tax purposes. The Company shall maintain a
complete set of books and records for each Mortgage Loan which shall be clearly
marked to reflect the ownership of such Mortgage Loan by the Purchaser;
(j) The Company is an approved seller/servicer of residential
mortgage loans for HUD, with such facilities, procedures and personnel necessary
for the sound servicing of such mortgage loans. The Company is duly qualified,
licensed, registered and otherwise authorized under all applicable federal,
state and local laws and regulations and is in good standing to sell mortgage
loans to and service mortgage loans for HUD and no event has occurred which
would make the Company unable to comply with eligibility requirements or which
would require notification to HUD;
(k) The Company does not believe, nor does it have any cause or
reason to believe, that it cannot perform each and every covenant contained in
this Agreement and the related Confirmation applicable to it. The Company is
solvent and the sale of the Mortgage Loans will not cause the Company to become
insolvent. The sale of the Mortgage Loans is not undertaken with the intent to
hinder, delay or defraud any of the Company's creditors;
(l) No statement, tape, diskette, form, report or other document
prepared by, or on behalf of, the Company pursuant to this Agreement, the
related Confirmation or in connection with the transactions contemplated hereby,
contains or will contain any statement that is or will be inaccurate or
misleading in any material respect. The Company has prudently originated and
underwritten each Mortgage Loan;
(m) The consideration received by the Company upon the sale of
the Mortgage Loans constitutes fair consideration and reasonably equivalent
value for such Mortgage Loans;
(n) The Company has delivered to the Purchaser financial
statements as to its last two complete fiscal years. All such financial
statements fairly present the pertinent results of operations and changes in
financial position for each of such periods and the financial position at the
end of each such period of the Company and its subsidiaries and have been
prepared in accordance with GAAP consistently applied throughout the periods
involved, except as set forth in the notes thereto. There has been no change in
the business, operations, financial condition, properties or assets of the
Company since the date of the Company's financial statements that would have a
material adverse effect on its ability to perform its obligations under this
Agreement or the related Confirmation;
(o) The Company has not dealt with any broker, investment banker,
agent or other person that may be entitled to any commission or compensation in
connection with the sale of the Mortgage Loans; and
(p) To the extent that the Purchaser has at any time purchased a
MERS Mortgage Loan hereunder, the Company is a member of MERS in good standing,
and will comply in all material respects with the rules and procedures of MERS
in connection with the servicing of the MERS Mortgage Loans for as long as such
Mortgage Loans are registered with MERS.
Section 3.02 REPRESENTATIONS AND WARRANTIES AS TO INDIVIDUAL
MORTGAGE LOANS.
The Company hereby represents and warrants to the Purchaser, as
to each Mortgage Loan, as of the related Closing Date and as of the related
Servicing Transfer Date as follows:
(a) The information set forth in the related Mortgage Loan
Schedule, including any diskette or other related data tapes sent to the
Purchaser, is complete, true and correct in all material respects;
(b) The Mortgage creates a (A) first lien and first priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B)
second lien and second priority security interest with respect to each Mortgage
Loan which is indicated by the Company to be a Second Lien (as reflected on the
Mortgage Loan Schedule), in either case, in the related Mortgaged Property
securing the related Mortgage Note;
(c) All payments due on or prior to the related Closing Date for
such Mortgage Loan have been made as of the related Closing Date, the Mortgage
Loan is not delinquent in payment more than 30 days and has not been dishonored;
there are no material defaults under the terms of the Mortgage Loan; the Company
has not advanced funds, or induced, solicited or knowingly received any advance
of funds from a party other than the owner of the Mortgaged Property subject to
the Mortgage, directly or indirectly, for the payment of any amount required by
the Mortgage Loan; no payment with respect to each Mortgage Loan has been
delinquent during the preceding twelve-month period;
(d) All taxes, governmental assessments, insurance premiums,
water, sewer and municipal charges, leasehold payments or ground rents which
previously became due and owing have been paid, or escrow funds have been
established in an amount sufficient to pay for every such escrowed item which
remains unpaid and which has been assessed but is not yet due and payable;
(e) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments which have been recorded to the extent any such recordation is
required by law. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, from the
terms thereof except in connection with an assumption agreement and which
assumption agreement is part of the Mortgage File and the terms of which are
reflected in the related Mortgage Loan Schedule; the substance of any such
waiver, alteration or modification has been approved by the issuer has been
approved by the issuer of any related title insurance policy, to the extent
required by the related policy.
(f) The Mortgage Note and the Mortgage are not subject to any
right of rescission, set-off, counterclaim or defense, including, without
limitation, the defense of usury, nor will the operation of any of the terms of
the Mortgage Note or the Mortgage, or the exercise of any right thereunder,
render the Mortgage Note or Mortgage unenforceable, in whole or in part, or
subject to any right of rescission, set-off, counterclaim or defense, including
the defense of usury, and no such right of rescission, set-off, counterclaim or
defense has been asserted with respect thereto; and the Mortgagor was not a
debtor in any state or federal bankruptcy or insolvency proceeding at the time
the Mortgage Loan was originated;
(g) All buildings or other customarily insured improvements upon
the Mortgaged Property are insured by an insurer acceptable under the ▇▇▇▇▇▇ ▇▇▇
Guides, against loss by fire, hazards of extended coverage and such other
hazards as are provided for in the ▇▇▇▇▇▇ Mae Guides or by the ▇▇▇▇▇▇▇ Mac
Guides, in an amount representing coverage not less than the lesser of (i) the
maximum insurable value of the improvements securing such Mortgage Loans, and
(ii) the greater of (a) either (1) the outstanding principal balance of the
Mortgage Loan with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule) or (2)
with respect to each Second Lien Mortgage Loan, the sum of the outstanding
principal balance of the first lien on such Mortgage Loan and the outstanding
principal balance of such Second Lien Mortgage Loan, and (b) an amount such that
the proceeds thereof shall be sufficient to prevent the Mortgagor and/or the
mortgagee from becoming a co-insurer, but in no event greater than the maximum
amount permitted under applicable law. All such standard hazard policies are in
full force and effect and on the date of origination contained a standard
mortgagee clause naming the Company and its successors in interest and assigns
as loss payee and such clause is still in effect and all premiums due thereon
have been paid. If required by the Flood Disaster Protection Act of 1973, as
amended, the Mortgage Loan is covered by a flood insurance policy meeting the
requirements of the current guidelines of the Federal Insurance Administration
which policy conforms to ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac requirements, in an amount
not less than the amount required by the Flood Disaster Protection Act of 1973,
as amended. Such policy was issued by an insurer acceptable under ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac guidelines. The Mortgage obligates the Mortgagor thereunder to
maintain all such insurance at the Mortgagor's cost and expense, and upon the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain
such insurance at the Mortgagor's cost and expense and to seek reimbursement
therefor from the Mortgagor;
(h) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth-in-lending, real estate settlement
procedures, consumer credit protection, equal credit opportunity, fair housing,
predatory and abusive lending, or disclosure laws applicable to the Mortgage
Loan or any related Prepayment Penalty have been complied with in all material
respects and the consummation of the transactions contemplated hereby will not
involve the violation of any such laws;
(i) The Mortgage has not been satisfied, canceled or subordinated
(other than the subordination of any Second Lien Mortgage Loan to the related
First Lien), in whole or in part, or rescinded, and the Mortgaged Property has
not been released from the lien of the Mortgage, in whole or in part nor has any
instrument been executed that would effect any such release, cancellation,
subordination or rescission. The Company has not waived the performance by the
Mortgagor of any action, if the Mortgagor's failure to perform such action would
cause the Mortgage Loan to be in default, nor has the Company waived any default
resulting from any action or inaction by the Mortgagor;
(j) The related Mortgage is a valid, subsisting, enforceable and
perfected (A) first lien and first priority security interest with respect to
each Mortgage Loan which is indicated by the Company to be a First Lien (as
reflected on the Mortgage Loan Schedule), or (B) second lien and second priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule), in either case, on the Mortgaged Property including all buildings on
the Mortgaged Property and all installations and mechanical, electrical,
plumbing, heating and air conditioning systems affixed to such buildings, and
all additions, alterations and replacements made at any time with respect to the
foregoing securing the Mortgage Note's original principal balance. The Mortgage
and the Mortgage Note do not contain any evidence of any security interest or
other interest or right thereto. Such lien is free and clear of all adverse
claims, liens and encumbrances having priority over the first lien of the
Mortgage subject only to (1) the lien of non-delinquent current real property
taxes and assessments not yet due and payable, (2) covenants, conditions and
restrictions, rights of way, easements and other matters of the public record as
of the date of recording which are acceptable to mortgage lending institutions
generally and either (A) which are referred to or otherwise considered in the
appraisal made for the originator of the Mortgage Loan, or (B) which do not
adversely affect the appraised value of the Mortgaged Property as set forth in
such appraisal, (3) other matters to which like properties are commonly subject
which do not materially interfere with the benefits of the security intended to
be provided by the Mortgage or the use, enjoyment, value or marketability of the
related Mortgaged Property and (4) with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security
agreement, chattel mortgage or equivalent document related to and delivered in
connection with the Mortgage Loan establishes and creates a valid, subsisting,
enforceable and perfected (A) first lien and first priority security interest
with respect to each Mortgage Loan which is indicated by the Company to be a
First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and
second priority security interest with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule), in either case, on the property described therein, and
the Company has the full right to sell and assign the same to the Purchaser;
(k) The Mortgage Note and the related Mortgage are original and
genuine and each is the legal, valid and binding obligation of the maker
thereof, enforceable in all respects in accordance with its terms subject to
bankruptcy, insolvency, moratorium, reorganization and other laws of general
application affecting the rights of creditors and by general equitable
principles and the Company has taken all action necessary to transfer such
rights of enforceability to the Purchaser. All parties to the Mortgage Note and
the Mortgage had the legal capacity to enter into the Mortgage Loan and to
execute and deliver the Mortgage Note and the Mortgage. The Mortgage Note and
the Mortgage have been duly and properly executed by such parties. No fraud,
error, omission, misrepresentation, negligence or similar occurrence with
respect to a Mortgage Loan has taken place on the part of the Company or the
Mortgagor, or, on the part of any other party involved in the origination of the
Mortgage Loan. The proceeds of the Mortgage Loan have been fully disbursed and
there is no requirement for future advances thereunder, and any and all
requirements as to completion of any on-site or off-site improvements and as to
disbursements of any escrow funds therefor have been complied with. All costs,
fees and expenses incurred in making or closing the Mortgage Loan and the
recording of the Mortgage were paid or are in the process of being paid, and the
Mortgagor is not entitled to any refund of any amounts paid or due under the
Mortgage Note or Mortgage;
(l) The Company is the sole owner of record and holder of the
Mortgage Loan and the indebtedness evidenced by the Mortgage Note, and upon
recordation the Purchaser or its designee will be the owner of record of the
Mortgage and the indebtedness evidenced by the Mortgage Note, and upon the sale
of the Mortgage Loan to the Purchaser, the Company will retain the Servicing
File in trust for the Purchaser only for the purpose of interim servicing and
supervising the interim servicing of the Mortgage Loan. Immediately prior to the
transfer and assignment to the Purchaser on the related Closing Date, the
Mortgage Loan, including the Mortgage Note and the Mortgage, were not subject to
an assignment or pledge other than with respect to a lien of a warehouse lender
which lien was released by such lender simultaneously with or prior to the
payment of the Purchase Price by the Purchaser as evidenced by a security
release certification delivered to the Purchaser pursuant to Section 2.09 of
this Agreement. The Company had good and marketable title to and was the sole
owner thereof and had full right to transfer and sell the Mortgage Loan to the
Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim
or security interest and has the full right and authority subject to no interest
or participation of, or agreement with, any other party, to sell and assign the
Mortgage Loan pursuant to this Agreement and following the sale of the Mortgage
Loan, the Purchaser will own such Mortgage Loan free and clear of any
encumbrance, equity, participation interest, lien, pledge, charge, claim or
security interest. The Company intends to relinquish all rights to possess,
control and monitor the Mortgage Loan, except for the purposes of servicing the
Mortgage Loan as set forth in this Agreement. Either the Mortgagor is a natural
person or the Mortgagor is an inter-vivos trust acceptable to ▇▇▇▇▇▇ Mae. With
respect to each inter-vivos trust, holding title to the Mortgaged Property in
such trust will not diminish any rights as a creditor including the right to
full title to the Mortgaged Property in the event foreclosure proceedings are
initiated;
(m) Each Mortgage Loan is covered by an ALTA lender's title
insurance policy (or, with respect to any Second Lien Mortgage Loan, by a short
form title report) issued by a title insurer acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇
Mac and qualified to do business in the jurisdiction where the Mortgaged
Property is located, insuring (subject to the exceptions contained in (j)(1),
(2) and (3) above and, with respect to each Mortgage Loan which is indicated by
the Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule) clause (4)) the Company, its successors and assigns, as to the first
(or, where applicable, second) priority lien of the Mortgage in the original
principal amount of the Mortgage Loan and, with respect to each Adjustable Rate
Mortgage Loan, against any loss by reason of the invalidity or unenforceability
of the lien resulting from the provisions of the Mortgage providing for
adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such
policy affirmatively insures ingress and egress to and from the Mortgaged
Property. Where required by applicable state law or regulation, the Mortgagor
has been given the opportunity to choose the carrier of the required mortgage
title insurance. The Company, its successors and assigns, are the sole insureds
of such lender's title insurance policy, such title insurance policy has been
duly and validly endorsed to the Purchaser or the assignment to the Purchaser of
the Company's interest therein does not require the consent of or notification
to the insurer and such lender's title insurance policy is in full force and
effect and will be in full force and effect upon the consummation of the
transactions contemplated by this Agreement and the related Confirmation. No
claims have been made under such lender's title insurance policy, and no prior
holder of the related Mortgage, including the Company, has done, by act or
omission, anything which would impair the coverage of such lender's title
insurance policy;
(n) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the related Mortgage Note and no
event which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or event
permitting acceleration; and neither the Company nor any prior mortgagee has
waived any default, breach, violation or event permitting acceleration. With
respect to each Mortgage Loan which is indicated by the Company to be a Second
Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First
Lien is in full force and effect, (ii) there is no default, breach, violation or
event of acceleration existing under such First Lien mortgage or the related
mortgage note, (iii) either no consent for the Mortgage Loan is required by the
holder of the First Lien or such consent has been obtained and is contained in
the Mortgage File, (iv) to the best of Company's knowledge, no event which, with
the passage of time or with notice and the expiration of any grace or cure
period, would constitute a default, breach, violation or event of acceleration
thereunder, and either (A) the First Lien mortgage contains a provision which
allows or (B) applicable law requires, the mortgagee under the Second Lien
Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to
cure any default by payment in full or otherwise under the First Lien mortgage,
and (v) such Second Lien Mortgage Loan is secured by a one- to four-family
residence that was (or would be) the principal residence of the Mortgagor upon
the origination of the Second Lien Mortgage Loan;
(o) There are no mechanics' or similar liens or claims which have
been filed for work, labor or material (and no rights are outstanding that under
law could give rise to such liens) affecting the related Mortgaged Property
which are or may be liens prior to or equal to the lien of the related Mortgage;
(p) All improvements subject to the Mortgage which were
considered in determining the Appraised Value of the Mortgaged Property lie
wholly within the boundaries and building restriction lines of the Mortgaged
Property (and wholly within the project with respect to a condominium unit) and
no improvements on adjoining properties encroach upon the Mortgaged Property
except those which are insured against by the title insurance policy referred to
in clause (m) above and all improvements on the property comply with all
applicable zoning and subdivision laws and ordinances;
(q) The Mortgage Loan was originated by or for the Company. The
Mortgage Loan complies with all the terms, conditions and requirements of the
Company's Underwriting Standards in effect at the time of origination of such
Mortgage Loan subject to exceptions which are in writing in the Mortgage File
and were approved by the Purchaser prior to the related Closing Date. The
Mortgage Notes and Mortgages (exclusive of any riders) are on forms generally
acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac. The Mortgage Loan bears interest at the
Mortgage Interest Rate set forth in the related Mortgage Loan Schedule, and
Monthly Payments under the Mortgage Note are due and payable on the first day of
each month. The Mortgage contains the usual and enforceable provisions of the
originator at the time of origination for the acceleration of the payment of the
unpaid principal amount of the Mortgage Loan if the related Mortgaged Property
is sold without the prior consent of the mortgagee thereunder;
(r) The Mortgaged Property is not subject to any material damage
by waste, fire, earthquake, windstorm, flood or other casualty, and is in good
repair. At origination of the Mortgage Loan there was, and there currently is,
no proceeding pending for the total or partial condemnation of the Mortgaged
Property. There have not been any condemnation proceedings with respect to the
Mortgaged Property and there are no such proceedings scheduled to commence at a
future date;
(s) The related Mortgage contains customary and enforceable
provisions such as to render the rights and remedies of the holder thereof
adequate for the realization against the Mortgaged Property of the benefits of
the security provided thereby. There is no homestead or other exemption
available to the Mortgagor which would interfere with the right to sell the
Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;
(t) If the Mortgage constitutes a deed of trust, a trustee,
authorized and duly qualified if required under applicable law to act as such,
has been properly designated and currently so serves and is named in the
Mortgage, and no fees or expenses are or will become payable by the Purchaser to
the trustee under the deed of trust, except in connection with a trustee's sale
or attempted sale after default by the Mortgagor;
(u) The Mortgage File contains an appraisal of the related
Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, is on
appraisal form 1004 or form 2055 with an interior inspection, or (b) with
respect to Second Lien Mortgage Loans, is on appraisal form 704, 2065 or 2055,
and (c) with respect to (a) or (b) above was signed prior to the final approval
of the mortgage loan application by a Qualified Appraiser, who had no interest,
direct or indirect, in the Mortgaged Property or in any loan made on the
security thereof, and whose compensation is not affected by the approval or
disapproval of the Mortgage Loan, and the appraisal and appraiser both satisfy
the requirements of ▇▇▇▇▇▇ Mae or ▇▇▇▇▇▇▇ Mac and Title XI of FIRREA and the
regulations promulgated thereunder, all as in effect on the date the Mortgage
Loan was originated. The appraisal is in a form acceptable to ▇▇▇▇▇▇ Mae or
▇▇▇▇▇▇▇ Mac;
(v) All parties which have had any interest in the Mortgage,
whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period
in which they held and disposed of such interest, were) (A) in compliance with
any and all applicable licensing requirements of the laws of the state wherein
the Mortgaged Property is located, and (B) (1) organized under the laws of such
state, or (2) qualified to do business in such state, or (3) federal savings and
loan associations or national banks or a Federal Home Loan Bank or savings bank
having principal offices in such state, or (4) not doing business in such state;
(w) The related Mortgage Note is not and has not been secured by
any collateral except the lien of the corresponding Mortgage and the security
interest of any applicable security agreement or chattel mortgage referred to in
(j) above and such collateral does not serve as security for any other
obligation;
(x) The Mortgagor has received all disclosure materials required
by applicable law with respect to the making of such mortgage loans;
(y) The Mortgage Loan does not contain "graduated payment"
features and does not have a shared appreciation or other contingent interest
feature; no Mortgage Loan contains any buydown provisions;
(z) The Mortgagor is not in bankruptcy and the Mortgagor is not
insolvent and the Company has no knowledge of any circumstances or condition
with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the
Mortgagor's credit standing that could reasonably be expected to cause investors
to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage
Loan to become delinquent, or materially adversely affect the value or
marketability of the Mortgage Loan;
(aa) Except with respect to any IO Mortgage Loan, principal
payments on the Mortgage Loan commenced no more than sixty (60) days after the
funds were disbursed in connection with the Mortgage Loan. The Mortgage Loans
have an original term to maturity of not more than 30 years, with interest
payable in arrears on the first day of each month. The Mortgage Loan bears
interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the
Mortgage Note is payable on the first day of each month in Monthly Payments
which, with respect to a Mortgage Loan other than an IO Mortgage Loan or Balloon
Mortgage Loan, requires a monthly payment which in the case of a Fixed Rate
Mortgage Loan, is sufficient to fully amortize the original principal balance
over the original term thereof and to pay interest at the related Mortgage
Interest Rate, and in the case of an Adjustable Rate Mortgage Loan, is changed
on each Adjustment Date and is sufficient to fully amortize the original
principal balance over the original term thereof and to pay interest at the
related Mortgage Interest Rate. With respect to each Balloon Mortgage Loan, the
Mortgage Note requires a monthly payment which is sufficient to fully amortize
the original principal balance over the original term thereof and to pay
interest at the related Mortgage Interest Rate and requires a final Monthly
Payment substantially greater than the preceding monthly payment which is
sufficient to repay the remained unpaid principal balance of the Balloon
Mortgage Loan as the Due Date of such monthly payment. With respect to each IO
Mortgage Loan, the interest-only period shall not exceed the interest-only
period set forth on the related Mortgage Loan Schedule and following the
expiration of such interest-only period, the remaining Monthly Payments shall be
sufficient to fully amortize the original principal balance over the remaining
term of the Mortgage Loan. No Mortgage Loan contains terms or provisions which
would result in negative amortization. No Mortgage Loan provides for the
capitalization or forbearance of interest;
(bb) No Mortgage Loan is subject to a lender-paid mortgage
insurance policy;
(cc) As to any Mortgage Loan which is not a MERS Mortgage Loan,
the Assignment of Mortgage is in recordable form and is acceptable for recording
under the laws of the jurisdiction in which the Mortgaged Property is located;
(dd) The Mortgaged Property is located in the state identified in
the related Mortgage Loan Schedule and consists of a single parcel of real
property with a detached single family residence erected thereon, or a
townhouse, or a two-to four-family dwelling, or an individual condominium unit
in a condominium project, or an individual unit in a planned unit development or
a de minimis planned unit development, provided, however, that no residence or
dwelling is a single parcel of real property with a cooperative housing
corporation erected thereon, or a mobile home. As of the date of origination, no
portion of the Mortgaged Property was used for commercial purposes, and since
the date or origination no portion of the Mortgaged Property has been used for
commercial purposes;
(ee) Except as set forth on the related Mortgage Loan Schedule,
none of the Mortgage Loans are subject to a Prepayment Penalty. For any Mortgage
Loan originated prior to October 1, 2002 that is subject to a Prepayment
Penalty, such prepayment penalty does not extend beyond five years after the
date of origination. For any Mortgage Loan originated on or following October 1,
2002 that is subject to a Prepayment Penalty, such prepayment penalty does not
extend beyond three years after the date of origination. Any such prepayment
penalty is permissible and enforceable in accordance with its terms upon the
Mortgagor's full and voluntary principal prepayment under applicable law. With
respect to any Mortgage Loan that contains a provision permitting imposition of
a premium upon a prepayment prior to maturity: (i) prior to the loan's
origination, the Mortgagor agreed to such premium in exchange for a monetary
benefit, including but not limited to a rate or fee reduction, (ii) prior to the
loan's origination, the Mortgagor was offered the option of obtaining a Mortgage
Loan that did not require payment of such a premium, (iii) the prepayment
premium is disclosed to the Mortgagor in the loan documents pursuant to
applicable state and federal law, (iv) for Mortgage Loans originated on or after
September 1, 2004, the duration of the prepayment period shall not exceed three
(3) years from the date of the Mortgage Note, unless the Mortgage Loan was
modified to reduce the prepayment period to no more than three years from the
date of the Mortgage Note and the Mortgagor was notified in writing of such
reduction in prepayment period, and (v) notwithstanding any state or federal law
to the contrary, the Company shall not impose such prepayment premium in any
instance when the Mortgage Loan is accelerated or paid off in connection with
the Mortgagor's failure to make the Monthly Payments;
(ff) The Mortgaged Property is lawfully occupied under applicable
law, and all inspections, licenses and certificates required to be made or
issued with respect to all occupied portions of the Mortgaged Property and, with
respect to the use and occupancy of the same, including but not limited to
certificates of occupancy and fire underwriting certificates, have been made or
obtained from the appropriate authorities;
(gg) [reserved];
(hh) There is no pending action or proceeding directly involving
the Mortgaged Property in which compliance with any environmental law, rule or
regulation is an issue; there is no violation of any environmental law, rule or
regulation with respect to the Mortgaged Property; and nothing further remains
to be done to satisfy in full all requirements of each such law, rule or
regulation constituting a prerequisite to use and enjoyment of said property;
(ii) The Mortgagor has not notified the Company requesting relief
under the Soldiers' and Sailors' Civil Relief Act of 1940 or the Servicemembers
Civil Relief Act, and the Company has no knowledge of any relief requested or
allowed to the Mortgagor under the Soldiers' and Sailors' Civil Relief Act of
1940 or the Servicemembers Civil Relief Act or any similar state laws;
(jj) As of the related Closing Date, no Mortgage Loan was in
construction or rehabilitation status or has facilitated the trade-in or
exchange of a Mortgaged Property;
(kk) No action has been taken or failed to be taken on or prior
to the related Closing Date which has resulted or will result in an exclusion
from, denial of, or defense to coverage under any insurance policy related to a
Mortgage Loan (including, without limitation, any exclusions, denials or
defenses which would limit or reduce the availability of the timely payment of
the full amount of the loss otherwise due thereunder to the insured) whether
arising out of actions, representations, errors, omissions, negligence, or
fraud, or for any other reason under such coverage;
(ll) The Mortgage Loan was originated by a mortgagee approved by
the Secretary of Housing and Urban Development pursuant to sections 203 and 211
of the National Housing Act, a savings and loan association, a savings bank, a
commercial bank, credit union, insurance company or similar institution which is
supervised and examined by a federal or state authority;
(mm) With respect to each Mortgage Loan that is secured in whole
or in part by the interest of the mortgagor as a lessee under a ground lease of
the related Mortgaged Property (a "Ground Lease") and not by a fee interest in
such Mortgaged Property:
a. The mortgagor is the owner of a valid and subsisting interest
as tenant under the Ground Lease;
b. The Ground Lease is in full force and effect, unmodified and
not supplemented by any writing or otherwise;
c. The mortgagor is not in default under any of the terms thereof
and there are no circumstances which, with the passage of time or the
giving of notice or both, would constitute an event of default
thereunder;
d. The lessor under the Ground Lease is not in default under any
of the terms or provisions thereof on the part of the lessor to be
observed or performed;
e. The term of the Ground Lease exceeds the maturity date of the
related Mortgage Loan by at least five years;
f. The Ground Lease or a memorandum thereof has been recorded and
by its terms permits the leasehold estate to be mortgaged. The Ground
Lease grants any leasehold mortgagee standard protection necessary to
protect the security of a leasehold mortgagee;
g. The Ground Lease does not contain any default provisions that
could give rise to forfeiture or termination of the Ground Lease except
for the non-payment of the Ground Lease rents;
h. The execution, delivery and performance of the Mortgage do not
require the consent (other than those consents which have been obtained
and are in full force and effect) under, and will not contravene any
provision of or cause a default under, the Ground Lease; and
i. The Ground Lease provides that the leasehold can be
transferred, mortgaged and sublet an unlimited number of times either
without restriction or on payment of a reasonable fee and delivery of
reasonable documentation to the lessor;
(nn) With respect to any broker fees collected and paid on any of
the Mortgage Loans, all broker fees have been properly assessed to the Mortgagor
and no claims will arise as to broker fees that are double charged and for which
the Mortgagor would be entitled to reimbursement;
(oo) With respect to any Mortgage Loan as to which an affidavit
has been delivered to the Purchaser certifying that the original Mortgage Note
has been lost or destroyed and not been replaced, if such Mortgage Loan is
subsequently in default, the enforcement of such Mortgage Loan will not be
materially adversely affected by the absence of the original Mortgage Note;
(pp) Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(qq) Except as provided in Section 2.06, the Mortgage Note, the
Mortgage, the Assignment of Mortgage and the other Mortgage Loan Documents set
forth in Exhibit A-1 and required to be delivered on the related Closing Date
have been delivered to the Purchaser or its designee all in compliance with the
specific requirements of this Agreement. With respect to each Mortgage Loan, the
Company is in possession of a complete Mortgage File and Servicing File except
for such documents as have been delivered to the Purchaser or its designee;
(rr) All information supplied by, on behalf of, or concerning the
Mortgagor is true, accurate and complete and does not contain any statement that
is e inaccurate or misleading in any material respect; (ss) There does not exist
on the related Mortgaged Property any hazardous substances, hazardous wastes or
solid wastes, as such terms are defined in the Comprehensive Environmental
Response Compensation and Liability Act, the Resource Conservation and Recovery
Act of 1976, or other federal, state or local environmental legislation;
(tt) No Mortgage Loan had a Loan-to-Value Ratio or Combined
Loan-to-Value Ratio at the time of origination of more than 100% or such other
percentage set forth in the related Confirmation;
(uu) No Mortgage Loan is (a) subject to, covered by or in
violation of the Home Ownership and Equity Protection Act of 1994 ("HOEPA"), (b)
classified as a "high cost," "covered," "high risk home", "high-rate, high-fee,"
"threshold," or "predatory" loan under HOEPA or any other applicable state,
federal or local law, including any predatory or abusive lending laws (or a
similarly classified loan using different terminology under a law imposing
heightened scrutiny or additional legal liability for a residential mortgage
loan having high interest rates, points and/or fees), (c) a High Cost Loan or
Covered Loan, as applicable (as such terms are defined in the Standard & Poor's
LEVELS(R) Glossary Revised, Appendix E) or (d) in violation of any state law or
ordinance comparable to HOEPA;
(vv) No Mortgagor was required to purchase any credit life,
disability, accident, unemployment, property or health insurance product or debt
cancellation agreement as a condition of obtaining the extension of credit. No
Mortgagor obtained a prepaid single premium credit life, disability,
unemployment, property, mortgage, accident or health insurance policy in
connection with the origination of the Mortgage Loan; No proceeds from any
Mortgage Loan were used to purchase or finance single-premium insurance policies
or debt cancellation agreements as part of the origination of or as a condition
to closing, such Mortgage Loan;
(ww) Any principal advances made to the Mortgagor prior to the
related Closing Date have been consolidated with the outstanding principal
amount secured by the Mortgage, and the secured principal amount, as
consolidated, bears a single interest rate and single repayment term. The lien
of the Mortgage securing the consolidated principal amount is expressly insured
as having (A) first lien priority with respect to each Mortgage Loan which is
indicated by the Company to be a First Lien (as reflected on the Mortgage Loan
Schedule), or (B) second lien priority with respect to each Mortgage Loan which
is indicated by the Company to be a Second Lien Mortgage Loan (as reflected on
the Mortgage Loan Data Transmission), in either case, by a title insurance
policy, an endorsement to the policy insuring the mortgagee's consolidated
interest or by other title evidence acceptable to ▇▇▇▇▇▇ ▇▇▇ and ▇▇▇▇▇▇▇ Mac.
The consolidated principal amount does not exceed the original principal amount
of the Mortgage Loan;
(xx) Interest on each Mortgage Loan is calculated on the basis of
a 360-day year consisting of twelve 30-day months;
(yy) [Reserved];
(zz) With respect to each MERS Mortgage Loan, a MIN has been
assigned by MERS and such MIN is accurately provided on the related Mortgage
Loan Schedule. The related assignment of Mortgage to MERS has been duly and
properly recorded;
(aaa) With respect to each MERS Mortgage Loan, the Company has
not received any notice of liens or legal actions with respect to such Mortgage
Loan and no such notices have been electronically posted by MERS;
(bbb) Any Mortgaged Property that is considered manufactured
housing shall be legally classified as real property, is permanently affixed to
a foundation and must assume the characteristics of site-built housing and must
otherwise conform to the requirements of ▇▇▇▇▇▇ Mae and ▇▇▇▇▇▇▇ Mac, including
without limitation, the requirement that such manufactured housing will be the
principal residence of the Mortgagor upon origination of the Mortgage Loan;
(ccc) With respect to each Mortgage Loan, to the extent required
by the Fair Credit Reporting Act and its implementing regulations, the Company
has fully and accurately furnished complete information on the related borrower
credit files to Equifax, Experian and Trans Union Credit Information Company;
(ddd) The Company has complied with all applicable anti-money
laundering laws and regulations, including without limitation the USA Patriot
Act of 2001 (collectively, the "ANTI-MONEY LAUNDERING LAWS"); the Company has
established an anti-money laundering compliance program as required by the
Anti-Money Laundering Laws, has conducted the requisite due diligence in
connection with the origination of each Mortgage Loan for purposes of the
Anti-Money Laundering Laws, including with respect to the legitimacy of the
applicable Mortgagor and the origin of the assets used by the said Mortgagor to
purchase the property in question, and maintains, and will maintain, sufficient
information to identify the applicable Mortgagor for purposes of the Anti-Money
Laundering Laws. No Mortgage Loan is subject to nullification pursuant to
Executive Order 13224 (the "Executive Order") or the regulations promulgated by
the Office of Foreign Assets Control of the United States Department of the
Treasury (the "OFAC Regulations") or in violation of the Executive Order or the
OFAC Regulations, and no Mortgagor is subject to the provisions of such
Executive Order or the OFAC Regulations nor listed as a "blocked person" for
purposes of the OFAC Regulations;
(eee) With respect to each Mortgage Loan which is a Second Lien
Mortgage Loan (i) if the related first lien provides for negative amortization,
the LTV was calculated at the maximum principal balance of such first lien that
could result upon application of such negative amortization feature, and (ii)
either no consent for the Mortgage Loan is required by the holder of the first
lien or such consent has been obtained and is contained in the Mortgage File;
(fff) No predatory or deceptive lending practices, including but
not limited to, the extension of credit to the applicable Mortgagor without
regard for said Mortgagor's ability to repay the Mortgage Loan and the extension
of credit to said Mortgagor which has no apparent benefit to said Mortgagor,
were employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the
anti-predatory lending eligibility for purchase requirements of ▇▇▇▇▇▇ Mae's
Selling Guide;
(ggg) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Georgia Fair Lending Act, as amended (the "Georgia Act") or New York Banking
Law 6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(hhh) No Mortgage Loan (a) is secured by property located in the
State of New York; (b) had an unpaid principal balance at origination of
$300,000 or less, and (c) has an application date on or after April 1, 2003, the
terms of which Mortgage Loan equal or exceed either the APR or the points and
fees threshold for "high-cost home loans," as defined in Section 6-L of the New
York State Banking Law;
(iii) No Mortgagor was encouraged or required to select a
Mortgage Loan product offered by the Mortgage Loan's originator which is a
higher cost product designed for less creditworthy borrowers, unless at the time
of the Mortgage Loan's origination, such Mortgagor did not qualify taking into
account credit history and debt to income ratios for a lower cost credit product
then offered by the Mortgage Loan's originator or any affiliate of the Mortgage
Loan's originator. If, at the time of loan application, the Mortgagor may have
qualified for a lower cost credit product then offered by any mortgage lending
affiliate of the Mortgage Loan's originator, the Mortgage Loan's originator
referred the Mortgagor's application to such affiliate for underwriting
consideration;
(jjj) The methodology used in underwriting the extension of
credit for each Mortgage Loan employs objective mathematical principles which
relate the Mortgagor's income, assets and liabilities to the proposed payment
and such underwriting methodology does not rely on the extent of the Mortgagor's
equity in the collateral as the principal determining factor in approving such
credit extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the Mortgagor had a reasonable ability to
make timely payments on the Mortgage Loan;
(kkk) All points fees and charges (including finance charges) and
whether or not financed, assessed, collected or to be collected in connection
with the origination and servicing of each Mortgage Loan have been disclosed in
writing to the Mortgagor in accordance with applicable state and federal law and
regulation;
(lll) All points and fees related to each Mortgage Loan were
disclosed in writing to the Mortgagor in accordance with applicable state and
federal law and regulation. No Mortgagor was charged "points and fees" (whether
or not financed) in an amount greater than 5% of the principal amount of such
loan, such 5% limitation is calculated in accordance with ▇▇▇▇▇▇ Mae's
anti-predatory lending requirements as set forth in the ▇▇▇▇▇▇ Mae Selling
Guide;
(mmm) [Reserved];
(nnn) As of the Closing Date, each Loan is eligible for sale in
the secondary mortgage market or for securitization without unreasonable credit
enhancement.
(ooo) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Arkansas Home Loan Protection Act effective July 14, 2003 (Act 1340 or
2003);
(ppp) No Mortgage Loan is a "High Cost Home Loan" as defined in
the Kentucky high-cost loan statute effective June 25, 2003 (Ky. Rev. Stat.
Section 360.100).
(qqq) [Reserved];
(rrr) No Mortgage Loan originated in the City of Oakland is
subject to the City of Oakland, California Ordinance 12361, (the "Ordinance") as
a home loan;
(sss) No Mortgage Loan is a subsection 10 mortgage under the
Oklahoma Home Ownership and Equity Protection Act;
(ttt) No Mortgage Loan is a "High-Risk Home Loan" as defined in
the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp.
Stat. 137/1 et seq.);
(uuu) No Mortgage Loan is a "High-Cost Home Loan" as defined in
the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat.
▇▇▇. ▇▇.▇▇. 58-21A-1 et seq.);
(vvv) No Mortgage Loan is a "High-Cost Home Loan" under the New
Jersey Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage
Loan subject to the NJ Act is considered under the NJ Act as, either, a (1)
purchase money Home Loan, (2) purchase money Covered Loan, or (3) a rate/term
refinance Home Loan;
(www) No Mortgage Loan originated in the city of Los Angeles,
California on or after the effective date of the Los Angeles, California
anti-predatory lending ordinance is a "high-cost refinance home loan" under such
ordinance;
(xxx) No Mortgage Loan that is secured by property located within
the State of Maine meets the definition of a (i) "high-rate, high-fee" mortgage
loan under Article VIII, Title 9-A of the Maine Consumer Credit Code No Mortgage
Loan or (ii) "High-Cost Home Loan" as defined under the Maine House ▇▇▇▇ 383
▇.▇. 494, effective as of September 13, 2003;
(yyy) No Mortgagor agreed to submit to arbitration to resolve any
dispute arising out of or relating in any way to the Mortgage Loan transaction;
(zzz) With respect to any Mortgage Loan for which a mortgage loan
application was submitted by the Mortgagor after April 1, 2004, no such Mortgage
Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage
Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other
charges) in excess of 3.0% of the original principal balance of the Mortgage
Loan;
(aaaa) The Mortgagor has not made or caused to be made any
payment in the nature of an `average' or `yield spread premium' to a mortgage
broker or a like Person which has not been fully disclosed to the Mortgagor;
(bbbb) No Mortgage Loan is a Convertible Mortgage Loan;
(cccc) No Mortgage Loan secured by a Mortgaged Property located
in the Commonwealth of Massachusetts was made to pay off or refinance an
existing loan or other debt of the related borrower (as the term "borrower" is
defined in the regulations promulgated by the Massachusetts Secretary of State
in connection with the Massachusetts General Laws Chapter 183, Section 28C)
unless (a) the related Mortgage Interest Rate (that would be effective once the
introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did
or would not exceed by more than 2.50% the yield on United States Treasury
securities having comparable periods of maturity to the maturity of the related
Mortgage Loan as of the fifteenth day of the month immediately preceding the
month in which the application for the extension of credit was received by the
related lender or (b) the Mortgage Loan is an "open-end home loan" (as such term
is used in the Massachusetts General Laws Chapter 183, Section 28C or the
regulations promulgated in connection therewith) and the related Mortgage Note
provides that the related Mortgage Interest Rate may not exceed at any time the
Prime rate index as published in the Wall Street Journal plus a margin of one
percent; and
(dddd) No Mortgagor was charged "points and fees" in an amount
greater than (a) $1,000 or (b) 5% of the principal amount of the related
Mortgage Loan, whichever is greater. For purposes of this representation,
"points and fees" (x) include origination, underwriting, broker and finder's
fees and charges that the lender imposed as a condition of making the Mortgage
Loan, whether they are paid to the lender or a third party; and (y) exclude bona
fide discount points, fees paid for actual services rendered in connection with
the origination of the Mortgage (such as attorneys' fees, notaries fees and fees
paid for property appraisals, credit reports, surveys, title examinations and
extracts, flood and tax certifications, and home inspections); the cost of
mortgage insurance or credit-risk price adjustments; the costs of title, hazard,
and flood insurance policies; state and local transfer taxes or fees; escrow
deposits for the future payment of taxes and insurance premiums; and other
miscellaneous fees and charges that, in total, do not exceed 0.25 percent of the
loan amount; and
(eeee) With respect to each Mortgage Loan, the Mortgage Loan's
originator offered the Mortgagor mortgage loan products offered by such Mortgage
Loan's originator, or any affiliate of such Mortgage Loan's originator, for
which the Mortgagor qualified.
ASSIGNMENT AND RECOGNITION AGREEMENT
THIS ASSIGNMENT AND RECOGNITION AGREEMENT, dated February 22,
2006, ("Agreement") among UBS Real Estate Securities Inc. ("ASSIGNOR"), Mortgage
Asset Securitization Transactions, Inc. ("ASSIGNEE") and Fremont Investment &
Loan (the "COMPANY"):
For and in consideration of the sum of TEN DOLLARS ($10.00) and
other valuable consideration the receipt and sufficiency of which hereby are
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:
ASSIGNMENT AND CONVEYANCE
The Assignor hereby conveys, sells, grants, transfers and assigns to the
Assignee (x) all of the right, title and interest of the Assignor, as purchaser,
in, to and under (a) those certain Mortgage Loans listed as being originated by
the Company on the schedule (the "MORTGAGE LOAN SCHEDULE") attached hereto as
Exhibit A (the "MORTGAGE LOANS") and (b) except as described below, that certain
Master Seller's Purchase, Warranties and Interim Servicing Agreement dated as of
March 1, 2004, as amended (the "PURCHASE AGREEMENT"), between the Assignor, as
initial purchaser (the "PURCHASER"), and the Company, as seller and interim
servicer, solely insofar as the Purchase Agreement relates to the Mortgage Loans
and (y) other than as provided below with respect to the enforcement of
representations and warranties, none of the obligations of the Assignor under
the Purchase Agreement.
The Assignor specifically reserves and does not assign to the Assignee
hereunder any and all right, title and interest in, to and under and any
obligations of the Assignor with respect to any mortgage loans subject to the
Purchase Agreement which are not the mortgage loans set forth on the Mortgage
Loan Schedule and are not the subject of this Agreement.
RECOGNITION OF THE COMPANY
From and after the date hereof, the Company shall and does hereby
recognize that the Assignee will transfer the Mortgage Loans and assign its
rights under the Purchase Agreement (solely to the extent set forth herein) and
this Agreement to MASTR Asset-Backed Securities Trust 2006-HE1 (the "Trust")
created pursuant to a Pooling and Servicing Agreement, dated as of February 1,
2006 (the "Pooling Agreement"), among the Assignee, ▇▇▇▇▇ Fargo Bank, N.A. as
master servicer, serivcer and trust administrator (including its successors in
interest and any successor servicers under the Pooling Agreement, the "Master
Servicer", "Servicer" or "Trust Administrator") and U.S. Bank National
Association, as trustee (including its successors in interest and any successor
trustees under the Pooling Agreement, the "Trustee"). The Company hereby
acknowledges and agrees that from and after the date hereof (i) the Trust will
be the owner of the Mortgage Loans, (ii) the Company shall look solely to the
Trust for performance of any obligations of the Assignor insofar as they relate
to the enforcement of the representations, warranties and covenants with respect
to the Mortgage Loans, (iii) the Trust (including the Trustee and the Servicer
acting on the Trust's behalf) shall have all the rights and remedies available
to the Assignor, insofar as they relate to the Mortgage Loans, under the
Purchase Agreement, including, without limitation, the enforcement of the
document delivery requirements and remedies with respect to breaches of
representations and warranties set forth in the Purchase Agreement, and shall be
entitled to enforce all of the obligations of the Company thereunder insofar as
they relate to the Mortgage Loans, and (iv) all references to the Purchaser
(insofar as they relate to the rights, title and interest and, with respect to
obligations of the Purchaser, only insofar as they relate to the enforcement of
the representations, warranties and covenants of the Company) or the Custodian
under the Purchase Agreement insofar as they relate to the Mortgage Loans, shall
be deemed to refer to the Trust (including the Trustee and the Servicer acting
on the Trust's behalf). Neither the Company nor the Assignor shall amend or
agree to amend, modify, waiver, or otherwise alter any of the terms or
provisions of the Purchase Agreement which amendment, modification, waiver or
other alteration would in any way affect the Mortgage Loans or the Company's
performance under the Purchase Agreement with respect to the Mortgage Loans
without the prior written consent of the Trustee.
REPRESENTATIONS AND WARRANTIES OF THE COMPANY
1. The Company warrants and represents to the Assignor, the
Assignee and the Trust as of the date hereof that:
(a) The Company is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its
incorporation;
(b) The Company has full power and authority to execute,
deliver and perform its obligations under this Agreement and has
full power and authority to perform its obligations under the
Purchase Agreement. The execution by the Company of this Agreement
is in the ordinary course of the Company's business and will not
conflict with, or result in a breach of, any of the terms,
conditions or provisions of the Company's charter or bylaws or any
legal restriction, or any material agreement or instrument to which
the Company is now a party or by which it is bound, or result in the
violation of any law, rule, regulation, order, judgment or decree to
which the Company or its property is subject. The execution,
delivery and performance by the Company of this Agreement have been
duly authorized by all necessary corporate action on part of the
Company. This Agreement has been duly executed and delivered by the
Company, and, upon the due authorization, execution and delivery by
the Assignor and the Assignee, will constitute the valid and legally
binding obligation of the Company, enforceable against the Company
in accordance with its terms except as enforceability may be limited
by bankruptcy, reorganization, insolvency, moratorium or other
similar laws now or hereafter in effect relating to creditors'
rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at
law;
(c) No consent, approval, order or authorization of, or
declaration, filing or registration with, any governmental entity is
required to be obtained or made by the Company in connection with
the execution, delivery or performance by the Company of this
Agreement; and
(d) There is no action, suit, proceeding or investigation
pending or threatened against the Company, before any court,
administrative agency or other tribunal, which would draw into
question the validity of this Agreement or the Purchase Agreement,
or which, either in any one instance or in the aggregate, would
result in any material adverse change in the ability of the Company
to perform its obligations under this Agreement or the Purchase
Agreement, and the Company is solvent.
2. Pursuant to Section 8 of the Purchase Agreement, the Company
hereby represents and warrants, for the benefit of the Assignor, the Assignee
and the Trust, that the representations and warranties set forth in Sections
3.01 and 3.02 of the Purchase Agreement (set forth on Schedule 1 hereto), are
true and correct as of the date hereof as if such representations and warranties
were made on such date, except that the representation and warranty set forth in
Section 3.02(a) shall, for purposes of this Agreement, relate to the Mortgage
Loan Schedule attached hereto and except for the limitations and qualifications
set forth on Schedule 2 hereto.
3. The Assignor hereby makes the following representations and
warranties as of the date hereof:
(a) Each Mortgage Loan at the time it was made complied in all
material respects with applicable local, state, and federal laws,
including, but not limited to, all applicable predatory and abusive
lending laws;
(b) None of the Mortgage Loans are High Cost as defined by any
applicable predatory and abusive lending laws; and
(c) No Mortgage Loan is a High Cost Loan or Covered Loan, as
applicable (as such terms are defined in the then current Standard &
Poor's LEVELS(R) Glossary which is now Version 5.6c Revised,
Appendix E).
REMEDIES FOR BREACH OF REPRESENTATIONS AND WARRANTIES
The Company hereby acknowledges and agrees that the remedies available
to the Assignor, the Assignee and the Trust (including the Trustee and the
Master Servicer acting on the Trust's behalf) in connection with any breach of
the representations and warranties made by the Company set forth in Sections 3
and 4 hereof shall be as set forth in Subsection 3.01 of the Purchase Agreement
as if they were set forth herein (including without limitation the repurchase
and indemnity obligations set forth therein). In addition, the Company hereby
acknowledges and agrees that any breach of the representations set forth in
Section 3.02 (ee), (uu), (vv), (ccc) and (ggg) of the Purchase Agreement and
Section 1(e) hereof shall be deemed to materially and adversely affect the value
of the related mortgage loans or the interests of the Trust in the related
mortgage loans.
The Assignor hereby acknowledges and agrees that the remedies
available to the Assignee and the Trust (including the Trustee and the Master
Servicer acting on the Trust's behalf) in connection with any breach of the
representations and warranties made by the Assignor set forth in Section 3
hereof shall be as set forth in Section 2.03 of the Pooling Agreement as if they
were set forth herein. The Assignor hereby acknowledges and agrees that a breach
of any one of the representations set forth in Section 3 above will be deemed to
materially adversely affect the interests of the certificateholders and shall
require a repurchase of the affected Mortgage Loan(s).
MISCELLANEOUS
4. This Agreement shall be construed in accordance with the laws
of the State of New York, without regard to conflicts of law principles, and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
5. No term or provision of this Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced, with
the prior written consent of the Trustee.
6. This Agreement shall inure to the benefit of (i) the
successors and assigns of the parties hereto and (ii) the Trust (including the
Trustee and the Servicer acting on the Trust's behalf). Any entity into which
Assignor, Assignee or Company may be merged or consolidated shall, without the
requirement for any further writing, be deemed Assignor, Assignee or Company,
respectively, hereunder.
7. Each of this Agreement and the Purchase Agreement shall
survive the conveyance of the Mortgage Loans and the assignment of the Purchase
Agreement (to the extent assigned hereunder) by Assignor to Assignee and by
Assignee to the Trust and nothing contained herein shall supersede or amend the
terms of the Purchase Agreement.
8. This Agreement may be executed simultaneously in any number of
counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
9. In the event that any provision of this Agreement conflicts
with any provision of the Purchase Agreement with respect to the Mortgage Loans,
the terms of this Agreement shall control.
10. Capitalized terms used in this Agreement (including the
exhibits hereto) but not defined in this Agreement shall have the meanings given
to such terms in the Purchase Agreement.
[SIGNATURE PAGE FOLLOWS]
IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized officers as of the date first above written.
UBS REAL ESTATE SECURITIES INC.
By:
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Name:
Title:
By:
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Name:
Title:
MORTGAGE ASSET SECURITIZATION
TRANSACTIONS, INC.
By:
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Name:
Title:
By:
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Name:
Title:
FREMONT INVESTMENT & LOAN
By:
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Name:
Title:
EXHIBIT A
Mortgage Loan Schedule
AVAILABLE UPON REQUEST
SCHEDULE 1
Limitations on Representations and Warranties
Capitalized terms used herein but not defined in this Schedule 1 shall
have the meanings given to such terms in the Purchase Agreement:
Section 3.01 Representations and Warranties of the Company.
The Company represents, warrants and covenants to the Purchaser that as of
each Closing Date and as of each Servicing Transfer Date or as of such date
specifically provided herein:
(a) The Company is a state chartered industrial bank duly organized and
validly existing under the laws of the State of California. The Company has all
licenses necessary to carry out its business as now being conducted, and is
licensed and qualified to transact business in and is in good standing under the
laws of each state in which any Mortgaged Property is located or is otherwise
exempt under applicable law from such licensing or qualification or is otherwise
not required under applicable law to effect such licensing or qualification and
no demand for such licensing or qualification has been made upon the Company by
any such state, and in any event the Company is in compliance with the laws of
any such state to the extent necessary to ensure the enforceability of each
Mortgage Loan and the interim servicing of the Mortgage Loans in accordance with
the terms of this Agreement. No licenses or approvals obtained by the Company
have been suspended or revoked by any court, administrative agency, arbitrator
or governmental body and no proceedings are pending which might result in such
suspension or revocation;
(b) The Company has the full power and authority and legal right to hold,
transfer and convey each Mortgage Loan, to sell each Mortgage Loan and to
execute, deliver and perform, and to enter into and consummate all transactions
contemplated by this Agreement and the related Confirmation and to conduct its
business as presently conducted; the Company has duly authorized the execution,
delivery and performance of this Agreement and any agreements contemplated
hereby, has duly executed and delivered this Agreement and the related
Confirmation, and any agreements contemplated hereby, and this Agreement and the
related Confirmation and each Assignment of Mortgage to the Purchaser and any
agreements contemplated hereby, constitute the legal, valid and binding
obligations of the Company, enforceable against it in accordance with their
respective terms, except as such enforceability may be limited by bankruptcy,
insolvency, moratorium, reorganization and similar laws, and by equitable
principles affecting the enforceability of the rights of creditors; and all
requisite corporate action has been taken by the Company to make this Agreement,
the related Confirmation and all agreements contemplated hereby valid and
binding upon the Company in accordance with their terms;
(c) Neither the execution and delivery of this Agreement, the related
Confirmation, the sale of the Mortgage Loans to the Purchaser, the consummation
of the transactions contemplated hereby, nor the fulfillment of or compliance
with the terms and conditions of this Agreement and the related Confirmation
will conflict with any of the terms, conditions or provisions of the Company's
charter or by laws or materially conflict with or result in a material breach of
any of the terms, conditions or provisions of any legal restriction or any
agreement or instrument to which the Company is now a party or by which it is
bound, or constitute a default or result in an acceleration under any of the
foregoing, or result in the material violation of any law, rule, regulation,
order, judgment or decree to which the Company or its property is subject;
(d) There is no litigation, suit, proceeding or investigation pending or
threatened, or any order or decree outstanding, which is reasonably likely to
have a material adverse effect on the sale of the Mortgage Loans, the execution,
delivery, performance or enforceability of this Agreement or the related
Confirmation, or which is reasonably likely to have a material adverse effect on
the financial condition of the Company;
(e) No consent, approval, authorization or order of any court or
governmental agency or body is required for the execution, delivery and
performance by the Company of or compliance by the Company with this Agreement
and the related Confirmation, except for consents, approvals, authorizations and
orders which have been obtained;
(f) The consummation of the transactions contemplated by this Agreement
and the related Confirmation are in the ordinary course of business of the
Company, and the transfer, assignment and conveyance of the Mortgage Notes and
the Mortgages by the Company pursuant to this Agreement and the related
Confirmation are not subject to bulk transfer or any similar statutory
provisions in effect in any applicable jurisdiction;
(g) The origination, servicing and collection practices with respect to
each Mortgage Note and Mortgage have been legal and in accordance with
applicable laws and regulations, and in all material respects in accordance with
Accepted Servicing Practices. The Company further represents and warrants that:
with respect to escrow deposits and payments that the Company is entitled to
collect, all such payments are in the possession of, or under the control of,
the Company or its delegate, and there exist no deficiencies in connection
therewith for which customary arrangements for repayment thereof have not been
made; all escrow payments have been collected and are being maintained in full
compliance with applicable state and federal law and the provisions of the
related Mortgage Note and Mortgage; as to any Mortgage Loan that is the subject
of an escrow, escrow of funds is not prohibited by applicable law and has been
established in an amount sufficient to pay for every escrowed item that remains
unpaid and has been assessed but is not yet due and payable; no escrow deposits
or other charges or payments due under the Mortgage Note have been capitalized
under any Mortgage or the related Mortgage Note; all Mortgage Interest Rate
adjustments have been made in strict compliance with state and federal law and
the terms of the related Mortgage Note; and any interest required to be paid
pursuant to state and local law has been properly paid and credited;
(h) The Mortgage Loans were not selected from the outstanding on- to
four-family mortgage loans in the Company's portfolio at the related Closing
Date meeting the requirements of the related Commitment and to which the
representations and warranties set forth in this Agreement could be made in a
manner so as to intentionally affect adversely the interests of the Purchaser;
(i) The Company will treat the transfer of the Mortgage Loans to the
Purchaser as a sale for reporting and accounting purposes and, to the extent
appropriate, for federal income tax purposes. The Company shall maintain a
complete set of books and records for each Mortgage Loan which shall be clearly
marked to reflect the ownership of such Mortgage Loan by the Purchaser;
(j) The Company is an approved seller/servicer of residential mortgage
loans for HUD, with such facilities, procedures and personnel necessary for the
sound servicing of such mortgage loans. The Company is duly qualified, licensed,
registered and otherwise authorized under all applicable federal, state and
local laws and regulations and no event has occurred which would make the
Company unable to comply with eligibility requirements or which would require
notification to either HUD;
(k) The Company does not believe, nor does it have any cause or reason to
believe, that it cannot perform each and every covenant contained in this
Agreement and the related Confirmation applicable to it. The Company is solvent
and the sale of the Mortgage Loans will not cause the Company to become
insolvent. The sale of the Mortgage Loans is not undertaken with the intent to
hinder, delay or defraud any of the Company's creditors;
(l) No statement, tape, diskette, form, report or other document prepared
by, or on behalf of, the Company pursuant to this Agreement, the related
Confirmation or in connection with the transactions contemplated hereby,
contains or will contain any statement that is or will be inaccurate or
misleading in any material respect. The Company has prudently originated and
underwritten each Mortgage Loan;
(m) The consideration received by the Company upon the sale of the
Mortgage Loans constitutes fair consideration and reasonably equivalent value
for such Mortgage Loans;
(n) The Company has delivered to the Purchaser financial statements as to
its last two complete fiscal years. All such financial statements fairly present
the pertinent results of operations and changes in financial position for each
of such periods and the financial position at the end of each such period of the
Company and its subsidiaries and have been prepared in accordance with GAAP
consistently applied throughout the periods involved, except as set forth in the
notes thereto. There has been no change in the business, operations, financial
condition, properties or assets of the Company since the date of the Company's
financial statements that would have a material adverse effect on its ability to
perform its obligations under this Agreement or the related Confirmation;
(o) The Company has not dealt with any broker, investment banker, agent or
other person that may be entitled to any commission or compensation in
connection with the sale of the Mortgage Loans;
(p) The Company is a member of MERS in good standing, and will comply in
all material respects with the rules and procedures of MERS in connection with
the servicing of the MERS Mortgage Loans for as long as such Mortgage Loans are
registered with MERS; and
(q) As of the date of each Pass-Through Transfer, and except as has been
otherwise disclosed to the Purchaser: (1) there are no aspects of the Company's
financial condition that could have a material adverse impact on the performance
by the Company of its obligations hereunder; (2) there are no legal proceedings
pending, or known to be contemplated by governmental authorities, against the
Company that could be material to investors in the securities issued in such
Pass-Through Transfer; and (3) there are no affiliations, relationships or
transactions relating to the Company of a type that are described under Item
1119 of Regulation AB.
Section 3.02 Representations and Warranties as to Individual Mortgage
Loans.
The Company hereby represents and warrants to the Purchaser, as to each
Mortgage Loan, as of the related Closing Date and as of the related Servicing
Transfer Date as follows:
(a) The information set forth in the related Mortgage Loan Schedule,
including any diskette or other related data tapes sent to the Purchaser, is
complete, true and correct in all material respects;
(b) The Mortgage creates a (A) first lien and first priority security
interest with respect to each Mortgage Loan which is indicated by the Company to
be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien
and second priority security interest with respect to each Mortgage Loan which
is indicated by the Company to be a Second Lien (as reflected on the Mortgage
Loan Schedule), in either case, in the related Mortgaged Property securing the
related Mortgage Note;
(c) All payments due on or prior to the related Closing Date for such
Mortgage Loan have been made as of the related Closing Date, the Mortgage Loan
is not past due in payment by one calendar month or more and has not been
dishonored; there are no material defaults under the terms of the Mortgage Loan;
the Company has not advanced funds, or induced, solicited or knowingly received
any advance of funds from a party other than the owner of the Mortgaged Property
subject to the Mortgage, directly or indirectly, for the payment of any amount
required by the Mortgage Loan; no payment with respect to each Mortgage Loan has
been past due by one calendar month during the preceding twelve-month period;
(d) All taxes, governmental assessments, insurance premiums, water, sewer
and municipal charges, leasehold payments or ground rents which previously
became due and owing have been paid, or escrow funds have been established in an
amount sufficient to pay for every such escrowed item which remains unpaid and
which has been assessed but is not yet due and payable;
(e) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments which have been recorded to the extent any such recordation is
required by law. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, from the
terms thereof except in connection with an assumption agreement and which
assumption agreement is part of the Mortgage File and the terms of which are
reflected in the related Mortgage Loan Schedule; the substance of any such
waiver, alteration or modification has been approved by the issuer of any
related title insurance policy, to the extent required by the related policy.
(f) The Mortgage Note and the Mortgage are not subject to any right of
rescission, set off, counterclaim or defense, including, without limitation, the
defense of usury. The operation of any of the terms of the Mortgage Note or the
Mortgage, or the exercise of any right thereunder, shall not render the Mortgage
Note or Mortgage unenforceable, in whole or in part (except as such
enforceability may be limited by bankruptcy, insolvency, moratorium,
reorganization and similar laws), or render the Mortgage Note or Mortgage
subject to any right of rescission, set off, counterclaim or defense, including
the defense of usury, and no such right of rescission, set off, counterclaim or
defense has been asserted with respect thereto; and the Mortgagor was not a
debtor in any state or federal bankruptcy or insolvency proceeding at the time
the Mortgage Loan was originated;
(g) All buildings or other customarily insured improvements upon the
Mortgaged Property are insured by an insurer generally acceptable to prudent
lenders in the secondary mortgage market, against loss by fire, hazards of
extended coverage and such other hazards as are customary in the area where the
Mortgaged Property is located, in an amount representing coverage not less than
the lesser of (i) the maximum insurable value of the improvements securing such
Mortgage Loans, and (ii) the greater of (a) either (1) the outstanding principal
balance of the Mortgage Loan with respect to each Mortgage Loan which is
indicated by the Company to be a First Lien (as reflected on the Mortgage Loan
Schedule) or (2) with respect to each Second Lien Mortgage Loan, the sum of the
outstanding principal balance of the first lien on such Mortgage Loan and the
outstanding principal balance of such Second Lien Mortgage Loan, and (b) an
amount such that the proceeds thereof shall be sufficient to prevent the
Mortgagor and/or the mortgagee from becoming a co-insurer, but in no event
greater than the maximum amount permitted under applicable law. All such
standard hazard policies are in full force and effect and on the date of
origination contained a standard mortgagee clause naming the Company and its
successors in interest and assigns as loss payee and such clause is still in
effect and all premiums due thereon have been paid. If required by the Flood
Disaster Protection Act of 1973, as amended, the Mortgage Loan is covered by a
flood insurance policy meeting the requirements of the current guidelines of the
Federal Insurance Administration which policy is generally acceptable to prudent
lenders in the secondary mortgage market, in an amount not less than the amount
required by the Flood Disaster Protection Act of 1973, as amended. Such policy
was issued by an insurer generally acceptable to prudent lenders in the
secondary mortgage market. The Mortgage obligates the Mortgagor thereunder to
maintain all such insurance at the Mortgagor's cost and expense, and upon the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain
such insurance at the Mortgagor's cost and expense and to seek reimbursement
therefor from the Mortgagor;
(h) Any and all requirements of any federal, state or local law including,
without limitation, usury, truth-in-lending, real estate settlement procedures,
consumer credit protection, equal credit opportunity, fair housing, predatory
and abusive lending, or disclosure laws applicable to the Mortgage Loan or any
related Prepayment Penalty have been complied with in all material respects and
the consummation of the transactions contemplated hereby will not involve the
violation of any such laws;
(i) The Mortgage has not been satisfied, canceled or subordinated (other
than the subordination of any Second Lien Mortgage Loan to the related First
Lien), in whole or in part, or rescinded, and the Mortgaged Property has not
been released from the lien of the Mortgage, in whole or in part nor has any
instrument been executed that would effect any such release, cancellation,
subordination or rescission. The Company has not waived the performance by the
Mortgagor of any action, if the Mortgagor's failure to perform such action would
cause the Mortgage Loan to be in default, nor has the Company waived any default
resulting from any action or inaction by the Mortgagor;
(j) The related Mortgage is a valid, subsisting, enforceable and perfected
(A) first lien and first priority security interest with respect to each
Mortgage Loan which is indicated by the Company to be a First Lien (as reflected
on the Mortgage Loan Schedule), or (B) second lien and second priority security
interest with respect to each Mortgage Loan which is indicated by the Company to
be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in
either case, on the Mortgaged Property including all buildings on the Mortgaged
Property and all installations and mechanical, electrical, plumbing, heating and
air conditioning systems affixed to such buildings, and all additions,
alterations and replacements made at any time with respect to the foregoing
securing the Mortgage Note's original principal balance. The Mortgage and the
Mortgage Note do not contain any evidence of any security interest or other
interest or right thereto. Such lien is free and clear of all adverse claims,
liens and encumbrances having priority over the first lien of the Mortgage
subject only to (1) the lien of non delinquent current real property taxes and
assessments not yet due and payable, (2) covenants, conditions and restrictions,
rights of way, easements and other matters of the public record as of the date
of recording which are acceptable to mortgage lending institutions generally and
either (A) which are referred to or otherwise considered in the appraisal made
for the originator of the Mortgage Loan, or (B) which do not adversely affect
the appraised value of the Mortgaged Property as set forth in such appraisal,
(3) other matters to which like properties are commonly subject which do not
materially interfere with the benefits of the security intended to be provided
by the Mortgage or the use, enjoyment, value or marketability of the related
Mortgaged Property and (4) with respect to each Mortgage Loan which is indicated
by the Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage
Loan Schedule) a First Lien on the Mortgaged Property. Any security agreement,
chattel mortgage or equivalent document related to and delivered in connection
with the Mortgage Loan establishes and creates a valid, subsisting, enforceable
and perfected (A) first lien and first priority security interest with respect
to each Mortgage Loan which is indicated by the Company to be a First Lien (as
reflected on the Mortgage Loan Schedule), or (B) second lien and second priority
security interest with respect to each Mortgage Loan which is indicated by the
Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule), in either case, on the property described therein, and the Company
has the full right to sell and assign the same to the Purchaser;
(k) The Mortgage Note and the related Mortgage are original and genuine
and each is the legal, valid and binding obligation of the maker thereof,
enforceable in all respects in accordance with its terms subject to bankruptcy,
insolvency, moratorium, reorganization and other laws of general application
affecting the rights of creditors and by general equitable principles and the
Company has taken all action necessary to transfer such rights of enforceability
to the Purchaser. All parties to the Mortgage Note and the Mortgage had the
legal capacity to enter into the Mortgage Loan and to execute and deliver the
Mortgage Note and the Mortgage. The Mortgage Note and the Mortgage have been
duly and properly executed by such parties. No fraud, error, omission,
misrepresentation, negligence or similar occurrence with respect to a Mortgage
Loan has taken place on the part of the Company or the Mortgagor, or, on the
part of any other party involved in the origination of the Mortgage Loan. The
proceeds of the Mortgage Loan have been fully disbursed and there is no
requirement for future advances thereunder, and any and all requirements as to
completion of any on site or off site improvements and as to disbursements of
any escrow funds therefor have been complied with. All costs, fees and expenses
incurred in making or closing the Mortgage Loan and the recording of the
Mortgage were paid or are in the process of being paid, and the Mortgagor is not
entitled to any refund of any amounts paid or due under the Mortgage Note or
Mortgage;
(l) Immediately prior to the transfer and assignment of the Mortgage Loan
to the Purchaser on the related Closing Date, the Company is the sole owner of
record and holder of the Mortgage Loan and the indebtedness evidenced by the
Mortgage Note, and upon recordation the Purchaser or its designee will be the
owner of record of the Mortgage and the indebtedness evidenced by the Mortgage
Note. Upon the sale of the Mortgage Loan to the Purchaser, the Company will
retain the Servicing File in trust for the Purchaser only for the purpose of
interim servicing and supervising the interim servicing of the Mortgage Loan.
Immediately prior to the transfer and assignment to the Purchaser on the related
Closing Date, the Mortgage Loan, including the Mortgage Note and the Mortgage,
were not subject to an assignment or pledge (other than liens released in
connection with, and prior to, the sale to the Purchaser), and the Company had
good and marketable title to and was the sole owner thereof and had full right
to transfer and sell the Mortgage Loan to the Purchaser free and clear of any
encumbrance, equity, lien, pledge, charge, claim or security interest and has
the full right and authority subject to no interest or participation of, or
agreement with, any other party, to sell and assign the Mortgage Loan pursuant
to this Agreement and as of the Closing Date, following the sale of the Mortgage
Loan, the Purchaser will own such Mortgage Loan free and clear of any
encumbrance, equity, participation interest, lien, pledge, charge, claim or
security interest, except to the extent any such encumbrance, participation
interest, lien, pledge, charge, claim or security interest is issued or created
by the Purchaser as owner of the Mortgage Loan. The Company intends to
relinquish all rights to possess, control and monitor the Mortgage Loan, except
for the purposes of servicing the Mortgage Loan as set forth in this Agreement.
The Mortgagor is a natural person;
(m) Each Mortgage Loan is covered by an ALTA lender's title insurance
policy issued by a title insurer generally acceptable to prudent lenders in the
secondary mortgage market and qualified to do business in the jurisdiction where
the Mortgaged Property is located, insuring (subject to the exceptions contained
in (j)(1), (2) and (3) above and, with respect to each Mortgage Loan which is
indicated by the Company to be a Second Lien Mortgage Loan (as reflected on the
Mortgage Loan Schedule) clause (4)) the Company, its successors and assigns, as
to the first (or, where applicable, second) priority lien of the Mortgage in the
original principal amount of the Mortgage Loan and, with respect to each
Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or
unenforceability of the lien resulting from the provisions of the Mortgage
providing for adjustment in the Mortgage Interest Rate and Monthly Payment.
Additionally, such policy affirmatively insures ingress and egress to and from
the Mortgaged Property. Where required by applicable state law or regulation,
the Mortgagor has been given the opportunity to choose the carrier of the
required mortgage title insurance. The Company, its successors and assigns, are
the sole insureds of such lender's title insurance policy, such title insurance
policy has been duly and validly endorsed to the Purchaser or the assignment to
the Purchaser of the Company's interest therein does not require the consent of
or notification to the insurer and such lender's title insurance policy is in
full force and effect and will be in full force and effect upon the consummation
of the transactions contemplated by this Agreement and the related Confirmation.
No claims have been made under such lender's title insurance policy, and no
prior holder of the related Mortgage, including the Company, has done, by act or
omission, anything which would impair the coverage of such lender's title
insurance policy;
(n) There is no default, breach, violation or event of acceleration
existing under the Mortgage or the related Mortgage Note and no event which,
with the passage of time or with notice and the expiration of any grace or cure
period, would constitute a default, breach, violation or event permitting
acceleration; and neither the Company nor any prior mortgagee has waived any
default, breach, violation or event permitting acceleration. With respect to
each Mortgage Loan which is indicated by the Company to be a Second Lien
Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is
in full force and effect, (ii) there is no default, breach, violation or event
of acceleration existing under such First Lien mortgage or the related mortgage
note, (iii) other than with respect to a delinquent Monthly Payment of which the
Due Date was the related Cut-off Date, to the best of Company's knowledge, no
event which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or event of
acceleration thereunder, and either (A) the First Lien mortgage contains a
provision which allows or (B) applicable law requires, the mortgagee under the
Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an
opportunity to cure any default by payment in full or otherwise under the First
Lien mortgage;
(o) Other than liens covered by the related title insurance policy, there
are no mechanics' or similar liens or claims which have been filed for work,
labor or material (and no rights are outstanding that under law could give rise
to such liens) affecting the related Mortgaged Property which are or may be
liens prior to or equal to the lien of the related Mortgage;
(p) All improvements subject to the Mortgage which were considered in
determining the Appraised Value of the Mortgaged Property lie wholly within the
boundaries and building restriction lines of the Mortgaged Property (and wholly
within the project with respect to a condominium unit). No improvements on
adjoining properties encroach upon the Mortgaged Property except those which are
insured against by the title insurance policy referred to in clause (m) above
and all improvements on the property comply with all applicable zoning and
subdivision laws and ordinances;
(q) The Mortgage Loan was originated by or for the Company. The Mortgage
Loan complies with all the terms, conditions and requirements of the Company's
Underwriting Standards in effect at the time of origination of such Mortgage
Loan. The Mortgage Notes and Mortgages (exclusive of any riders) are on forms
generally acceptable to ▇▇▇▇▇▇ ▇▇▇ or ▇▇▇▇▇▇▇ Mac. The Mortgage Loan bears
interest at the Mortgage Interest Rate set forth in the related Mortgage Loan
Schedule, and Monthly Payments under the Mortgage Note are due and payable on
the first day of each month. The Mortgage contains the usual and enforceable
provisions of the originator at the time of origination for the acceleration of
the payment of the unpaid principal amount of the Mortgage Loan if the related
Mortgaged Property is sold without the prior consent of the mortgagee
thereunder;
(r) The Mortgaged Property is not subject to any material damage by waste,
fire, earthquake, windstorm, flood or other casualty. At origination of the
Mortgage Loan there was, and there currently is, no proceeding pending for the
total or partial condemnation of the Mortgaged Property. There have not been any
condemnation proceedings with respect to the Mortgaged Property and, to the best
of Company's knowledge, there are no such proceedings scheduled to commence at a
future date;
(s) The related Mortgage contains customary and enforceable provisions
such as to render the rights and remedies of the holder thereof adequate for the
realization against the Mortgaged Property of the benefits of the security
provided thereby. There is no homestead or other exemption available to the
Mortgagor which would interfere with the right to sell the Mortgaged Property at
a trustee's sale or the right to foreclose the Mortgage;
(t) If the Mortgage constitutes a deed of trust, a trustee, authorized and
duly qualified if required under applicable law to act as such, has been
properly designated and currently so serves and is named in the Mortgage, and no
fees or expenses are or will become payable by the Purchaser to the trustee
under the deed of trust, except in connection with a trustee's sale or attempted
sale after default by the Mortgagor;
(u) The Mortgage File contains an appraisal of the related Mortgaged
Property which, (a) with respect to First Lien Mortgage Loans, is on appraisal
form 1004 or form 2055 with an interior inspection, or (b) with respect to
Second Lien Mortgage Loans, is on appraisal form 704, 2065 or 2055, and (c) with
respect to (a) or (b) above was signed prior to the final approval of the
mortgage loan application by a Qualified Appraiser, who had no interest, direct
or indirect, in the Mortgaged Property or in any loan made on the security
thereof, and whose compensation is not affected by the approval or disapproval
of the Mortgage Loan, and the appraisal and appraiser both satisfy the
requirements Title XI of FIRREA and the regulations promulgated thereunder, all
as in effect on the date the Mortgage Loan was originated;
(v) All parties which have had any interest in the Mortgage, whether as
mortgagee, assignee, pledgee or otherwise, are (or, during the period in which
they held and disposed of such interest, were) (A) in compliance with any and
all applicable licensing requirements of the laws of the state wherein the
Mortgaged Property is located, and (B) (1) organized under the laws of such
state, or (2) qualified to do business in such state, or (3) federal savings and
loan associations or national banks or a Federal Home Loan Bank or savings bank
having principal offices in such state, or (4) not doing business in such state;
(w) The related Mortgage Note is not and has not been secured by any
collateral except the lien of the corresponding Mortgage and the security
interest of any applicable security agreement or chattel mortgage referred to in
(j) above and such collateral does not serve as security for any other
obligation;
(x) The Mortgagor has received all disclosure materials required by
applicable law with respect to the making of such mortgage loans;
(y) The Mortgage Loan does not contain "graduated payment" features and
does not have a shared appreciation or other contingent interest feature; no
Mortgage Loan contains any buydown provisions;
(z) The Mortgagor is not in bankruptcy. Taking into account the credit
standing of the related Mortgagors pursuant to the Underwriting Guidelines, the
Company has no knowledge of any circumstances or condition with respect to the
Mortgage, the Mortgaged Property or the Mortgagor that can reasonably be
expected to cause the Mortgage Loan to become delinquent or adversely affect the
value of the Mortgage Loan as compared to other mortgage loans in the company's
portfolio meeting the requirements of this Agreement or the related
Confirmation;
(aa) Other than with respect to Mortgage Loans identified on the related
Mortgage Loan Schedule as interest-only Mortgage Loans, (i) principal payments
on the Mortgage Loan commenced no more than sixty (60) days after the funds were
disbursed in connection with the Mortgage Loan and (ii) each Mortgage Note
requires a monthly payment which is sufficient to fully amortize the original
principal balance over the original term thereof and to pay interest at the
related Mortgage Interest Rate. With respect to each Mortgage Loan identified on
the Mortgage Loan Schedule as an interest-only Mortgage Loan, (i) payments on
the Mortgage Loan commenced no more than sixty (60) days after the funds were
distributed in connection with the Mortgage Loan, (ii) the interest-only period
shall not exceed the interest-only period set forth on the related Mortgage Loan
Schedule and (iii) following the expiration of such interest-only period, the
remaining Monthly Payments shall be sufficient to fully amortize the original
principal balance over the remaining term of the Mortgage Loan. Each Mortgage
Loan has an original term to maturity of not more than 30 years, with interest
payable in arrears on the first day of each month. No Mortgage Loan contains
terms or provisions which would result in negative amortization;
(bb) No Mortgage Loan is subject to a lender-paid mortgage insurance
policy;
(cc) As to any Mortgage Loan which is not a MERS Mortgage Loan, the
Assignment of Mortgage is in recordable form and is acceptable for recording
under the laws of the jurisdiction in which the Mortgaged Property is located;
(dd) The Mortgaged Property is located in the state identified in the
related Mortgage Loan Schedule and consists of a single parcel of real property
with a detached single family residence erected thereon, or a townhouse, or a
two-to four-family dwelling, or an individual condominium unit in a condominium
project, or an individual unit in a planned unit development or a de minimis
planned unit development, provided, however, that no residence or dwelling is a
single parcel of real property with a cooperative housing corporation erected
thereon, or a mobile home. As of the date of origination, no portion of the
Mortgaged Property was used for commercial purposes, and since the date or
origination no portion of the Mortgaged Property has been used for commercial
purposes;
(ee) Except as set forth on the related Mortgage Loan Schedule, none of
the Mortgage Loans are subject to a Prepayment Penalty. For any Mortgage Loan
originated prior to October 1, 2002 that is subject to a Prepayment Penalty,
such prepayment penalty does not extend beyond five years after the date of
origination. For any Mortgage Loan originated on or following October 1, 2002
that is subject to a Prepayment Penalty, such prepayment penalty does not extend
beyond three years after the date of origination. Any such prepayment penalty is
permissible and enforceable in accordance with its terms upon the Mortgagor's
full and voluntary principal prepayment under applicable law. With respect to
any Mortgage Loan that contains a provision permitting imposition of a premium
upon a prepayment prior to maturity: (i) prior to the loan's origination, the
Mortgagor agreed to such premium in exchange for a monetary benefit, including
but not limited to a rate or fee reduction, (ii) the originator had available
programs that offered the option of obtaining a mortgage loan that did not
require payment of such a premium and prior to the loan's origination, the
Mortgage Loan was made available with and without the prepayment premium, (iii)
the prepayment premium is disclosed to the Mortgagor in the loan documents
pursuant to applicable state and federal law, and (iv) notwithstanding any state
or federal law to the contrary, the Company shall not impose such prepayment
premium in any instance when the mortgage debt is accelerated as the result of
the Mortgagor's default in making the loan payments;
(ff) The Mortgaged Property is lawfully occupied under applicable law, and
all inspections, licenses and certificates required to be made or issued with
respect to all occupied portions of the Mortgaged Property and, with respect to
the use and occupancy of the same, including but not limited to certificates of
occupancy and fire underwriting certificates, have been made or obtained from
the appropriate authorities;
(gg) If the Mortgaged Property is a condominium unit or a planned unit
development (other than a de minimis planned unit development), such condominium
or planned unit development project is generally acceptable to prudent lenders
in the secondary mortgage market and meets the eligibility requirements of the
Company's Underwriting Guidelines;
(hh) There is no pending action or proceeding directly involving the
Mortgaged Property in which compliance with any environmental law, rule or
regulation is an issue; there is no violation of any environmental law, rule or
regulation with respect to the Mortgaged Property; and, to the best of Company's
knowledge, nothing further remains to be done to satisfy in full all
requirements of each such law, rule or regulation constituting a prerequisite to
use and enjoyment of said property;
(ii) The Mortgagor has not notified the Company requesting relief under
the Servicemembers' Civil Relief Act, and the Company has no knowledge of any
relief requested or allowed to the Mortgagor under the Servicemembers' Civil
Relief Act;
(jj) As of the related Closing Date, no Mortgage Loan was in construction
or rehabilitation status or has facilitated the trade-in or exchange of a
Mortgaged Property;
(kk) No action has been taken or failed to be taken on or prior to the
related Closing Date which has resulted or will result in an exclusion from,
denial of, or defense to coverage under any insurance policy related to a
Mortgage Loan (including, without limitation, any exclusions, denials or
defenses which would limit or reduce the availability of the timely payment of
the full amount of the loss otherwise due thereunder to the insured) whether
arising out of actions, representations, errors, omissions, negligence, or
fraud, or for any other reason under such coverage;
(ll) The Mortgage Loan was originated by a mortgagee approved by the
Secretary of Housing and Urban Development pursuant to sections 203 and 211 of
the National Housing Act, a savings and loan association, a savings bank, a
commercial bank, credit union, insurance company or similar institution which is
supervised and examined by a federal or state authority;
(mm) If the Mortgage Loan is secured by a long-term residential lease, (1)
the lessor under the lease holds a fee simple interest in the land; (2) the
terms of such lease expressly permit the mortgaging of the leasehold estate, the
assignment of the lease without the lessor's consent and the acquisition by the
holder of the Mortgage of the rights of the lessee upon foreclosure or
assignment in lieu of foreclosure or provide the holder of the Mortgage with
substantially similar protections; (3) the terms of such lease do not (a) allow
the termination thereof upon the lessee's default without the holder of the
Mortgage being entitled to receive written notice of, and opportunity to cure,
such default, (b) allow the termination of the lease in the event of damage or
destruction as long as the Mortgage is in existence, (c) prohibit the holder of
the Mortgage from being insured (or receiving proceeds of insurance) under the
hazard insurance policy or policies relating to the Mortgaged Property or (d)
permit any increase in rent other than pre-established increases set forth in
the lease; (4) the original term of such lease is not less than 15 years; (5)
the term of such lease does not terminate earlier than five years after the
maturity date of the Mortgage Note; and (6) the Mortgaged Property is located in
a jurisdiction in which the use of leasehold estates in transferring ownership
in residential properties is a widely accepted practice;
(nn) With respect to any broker fees collected and paid on any of the
Mortgage Loans, all broker fees have been properly assessed and the Mortgagor is
not entitled to any reimbursement therefore;
(oo) With respect to any Mortgage Loan as to which an affidavit has been
delivered to the Purchaser certifying that the original Mortgage Note has been
lost or destroyed and not been replaced, if such Mortgage Loan is subsequently
in default, the enforcement of such Mortgage Loan will not be materially
adversely affected by the absence of the original Mortgage Note;
(pp) As of the related Closing Date, each Mortgage Loan constitutes a
qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury
Regulations Section 1.860G-2(a)(1);
(qq) Except as provided in Section 2.06, the Mortgage Note, the Mortgage,
the Assignment of Mortgage and the other Mortgage Loan Documents set forth in
Exhibit A-1 and required to be delivered on the related Closing Date have been
delivered to the Purchaser or its designee all in compliance with the specific
requirements of this Agreement. With respect to each Mortgage Loan, the Company
is in possession of a complete Mortgage File and Servicing File except for such
documents as have been delivered to the Purchaser or its designee;
(rr) There does not exist on the related Mortgaged Property any hazardous
substances, hazardous wastes or solid wastes, as such terms are defined in the
Comprehensive Environmental Response Compensation and Liability Act, the
Resource Conservation and Recovery Act of 1976, or other federal, state or local
environmental legislation;
(ss) No Mortgage Loan had a Loan-to-Value Ratio or Combined Loan-to-Value
Ratio at the time of origination in excess of the applicable percentages set
forth in the related Confirmation or on the exhibits attached thereto and in no
event was the Loan-to-Value Ratio or Combined Loan-to-Value Ratio more than
100%;
(tt) No Mortgage Loan is (a) subject to, covered by or in violation of the
Home Ownership and Equity Protection Act of 1994 ("HOEPA"), (b) classified as a
"high cost," "covered," "high risk home", "high-rate, high-fee," "threshold," or
"predatory" loan under HOEPA or any other applicable state, federal or local
law, including any predatory or abusive lending laws (or a similarly classified
loan using different terminology under a law imposing heightened scrutiny or
additional legal liability for a residential mortgage loan having high interest
rates, points and/or fees), (c) a High Cost Loan or Covered Loan, as applicable
(as such terms are defined in the Standard & Poor's LEVELS(R) Glossary Revised,
Appendix E) or (d) in violation of any state law or ordinance comparable to
HOEPA;
(uu) No Mortgagor was required to purchase any credit insurance policy
(e.g. life, mortgage, disability, accident, unemployment or health insurance
product) or debt cancellation agreement as a condition of obtaining the
extension of credit. No Mortgagor obtained a prepaid single premium credit
insurance policy (e.g., life, mortgage, disability, accident, unemployement, or
health insurance product) in connection with the origination of the Mortgage
Loan; None of the proceeds of the Mortgage Loan were used to purchase or finance
single-premium credit insurance policies or debt cancellation agreements;
(vv) Any principal advances made to the Mortgagor prior to the related
Closing Date have been consolidated with the outstanding principal amount
secured by the Mortgage, and the secured principal amount, as consolidated,
bears a single interest rate and single repayment term. The lien of the Mortgage
securing the consolidated principal amount is expressly insured as having (A)
first lien priority with respect to each Mortgage Loan which is indicated by the
Company to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B)
second lien priority with respect to each Mortgage Loan which is indicated by
the Company to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Data Transmission), in either case, by a title insurance policy, an endorsement
to the policy insuring the mortgagee's consolidated interest or by other title
evidence generally acceptable to prudent lenders in the secondary mortgage
market. The consolidated principal amount does not exceed the original principal
amount of the Mortgage Loan;
(ww) Interest on each Mortgage Loan is calculated on the basis of a
360-day year consisting of twelve 30-day months;
(xx) No Mortgage Loan is a Balloon Mortgage Loan;
(yy) With respect to each MERS Mortgage Loan, a MIN has been assigned by
MERS and such MIN is accurately provided on the related Mortgage Loan Schedule.
The related assignment of Mortgage to MERS has been duly and properly recorded;
(zz) With respect to each MERS Mortgage Loan, the Company has not received
any notice of liens or legal actions with respect to such Mortgage Loan and no
such notices have been electronically posted by MERS;
(aaa) Any Mortgaged Property that is considered manufactured housing is
legally classified as real property, is permanently affixed to a foundation,
assumes the characteristics of site-built housing and is otherwise generally
acceptable to prudent lenders in the secondary mortgage market;
(bbb) With respect to each Mortgage Loan, the Company has fully and
accurately furnished complete information on the related borrower credit files
to Equifax, Experian and Trans Union Credit Information Company, in accordance
with the Fair Credit Reporting Act and its implementing regulations, on a
monthly basis and the Company will fully furnish, in accordance with the Fair
Credit Reporting Act and its implementing regulations, accurate and complete
information on its borrower credit files to Equifax, Experian, and Trans Union
Credit Information Company, on a monthly basis.
(ccc) The Company has complied with all applicable anti-money laundering
laws and regulations, including without limitation the USA Patriot Act of 2001
(collectively, the "Anti-Money Laundering Laws"); the Company has established an
anti-money laundering compliance program as required by the Anti-Money
Laundering Laws, has conducted the requisite due diligence in connection with
the origination of each Mortgage Loan for purposes of the Anti-Money Laundering
Laws, including with respect to the legitimacy of the applicable Mortgagor and
the origin of the assets used by the said Mortgagor to purchase the property in
question, and maintains, and will maintain, sufficient information to identify
the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. No
Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
"Executive Order") or the regulations promulgated by the Office of Foreign
Assets Control of the United States Department of the Treasury (the "OFAC
Regulations") or in violation of the Executive Order or the OFAC Regulations,
and no Mortgagor is subject to the provisions of such Executive Order or the
OFAC Regulations nor listed as a "blocked person" for purposes of the OFAC
Regulations;
(ddd) With respect to each Mortgage Loan which is a Second Lien Mortgage
Loan (i) if the related first lien provides for negative amortization, the LTV
was calculated at the maximum principal balance of such first lien that could
result upon application of such negative amortization feature, and (ii) either
no consent for the Mortgage Loan is required by the holder of the first lien or
such consent has been obtained and is contained in the Mortgage File;
(eee) No predatory or deceptive lending practices, including but not
limited to, the extension of credit to the applicable Mortgagor without regard
for said Mortgagor's ability to repay the Mortgage Loan and the extension of
credit to said Mortgagor which has no apparent benefit to said Mortgagor, were
employed by the originator of the Mortgage Loan in connection with the
origination of the Mortgage Loan.
(fff) No Mortgage Loan is a "High Cost Home Loan" as defined in the
Georgia Fair Lending Act, as amended (the "Georgia Act") or New York Banking Law
6-1. No Mortgage Loan secured by owner occupied real property or an owner
occupied manufactured home located in the State of Georgia was originated (or
modified) on or after October 1, 2002 through and including March 6, 2003;
(ggg) No Mortgage Loan (a) is secured by property located in the State of
New York; (b) had an unpaid principal balance at origination of $300,000 or
less, and (c) has an application date on or after April 1, 2003, the terms of
which Mortgage Loan equal or exceed either the APR or the points and fees
threshold for "high-cost home loans," as defined in Section 6-L of the New York
State Banking Law;
(hhh) All fees and charges (including finance charges) and whether or not
financed, assessed, collected or to be collected in connection with the
origination and servicing of each Loan have been disclosed in writing to the
Mortgagor in accordance with applicable state and federal law and regulation;
(iii) The Company will transmit full-file credit reporting data for each
Mortgage Loan and for each Mortgage Loan Company agrees it shall report one of
the following statuses each month as follows: new origination, current,
delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;
(jjj) As of the related Closing Date, each Loan is eligible for sale in
the secondary mortgage market or for securitization without unreasonable credit
enhancement.
(kkk) No Mortgage Loan is a "High Cost Home Loan" as defined in the
Arkansas Home Loan Protection Act effective July 16, 2003 (Act 1340 or 2003);
(lll) No Mortgage Loan is a "High Cost Home Loan" as defined in the
Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat. Section
360.100).
(mmm) No Mortgage Loan secured by property located in the State of Nevada
is a "home loan" as defined in the Nevada Assembly ▇▇▇▇ No. 284;
(nnn) No Mortgage Loan originated in the City of Oakland is subject to the
City of Oakland, California Ordinance 12361, (the "Ordinance") as a home loan;
(ooo) No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home
Ownership and Equity Protection Act;
(ppp) No Mortgage Loan is a "High-Risk Home Loan" as defined in the
Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat.
137/1 et seq.);
(qqq) No Mortgage Loan is a "High-Cost Home Loan" as defined in the New
Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. ▇▇▇.
▇▇.▇▇. 58-21A-1 et seq.);
(rrr) No Mortgage Loan is a "High-Cost Home Loan" under the New Jersey
Home Ownership Security Act of 2002 (the "NJ Act"); and each Mortgage Loan
subject to the NJ Act is considered under the NJ Act as, either, a (1) purchase
money Home Loan, (2) purchase money Covered Loan, or (3) a rate/term refinance
Home Loan;
(sss) No Mortgage Loan originated in the city of Los Angeles, California
on or after the effective date of the Los Angeles, California anti-predatory
lending ordinance is a "high-cost refinance home loan" under such ordinance;
(ttt) No Mortgage Loan that is secured by property located within the
State of Maine meets the definition of a (i) "high-rate, high-fee" mortgage loan
under Article VIII, Title 9-A of the Maine Consumer Credit Code No Mortgage Loan
or (ii) "High-Cost Home Loan" as defined under the Maine House ▇▇▇▇ 383 ▇.▇.
494, effective as of September 13, 2003;
(uuu) No Mortgagor agreed to submit to arbitration to resolve any dispute
arising out of or relating in any way to the Mortgage Loan transaction; Each
borrower was assigned the highest credit grade available with respect to a
Mortgage Loan product offered by the originator of such Mortgage Loan, taking
into account the credit history, debt-to-income ratio and loan requirements for
such borrower;
(vvv) The methodology used in underwriting the extension of credit for
each Mortgage Loan employs, in part, objective mathematical principles which
relate the borrower's income, assets and liabilities to the proposed payment and
such underwriting methodology does not rely on the extent of the borrower's
equity in the collateral as the principal determining factor in approving such
credit extension. Such underwriting methodology confirmed that at the time of
origination (application/approval) the borrower had a reasonable ability to make
timely payments on the Mortgage Loan;
(www) With respect to any Mortgage Loan that contains a provision
permitting imposition of a premium upon a prepayment prior to maturity: (i)
prior to the loan's origination, the borrower agreed to such premium in exchange
for a monetary benefit, including but not limited to a rate or fee reduction,
(ii) the originator had available programs that offered the option of obtaining
a mortgage loan that did not require payment of such a premium and prior to the
loan's origination, the Mortgage Loan was made available with and without the
prepayment premium, (iii) the prepayment premium was disclosed to the borrower
in the loan documents pursuant to applicable state and federal law, and (iv)
notwithstanding any state or federal law to the contrary, the Seller shall not
impose such prepayment premium in any instance when the mortgage debt is
accelerated as the result of the borrower's default in making the loan payments;
(xxx) All points and fees related to each Mortgage Loan were disclosed in
writing to the borrower in accordance with applicable state and federal law and
regulation;
(yyy) The Seller will transmit full-file credit reporting data for each
Mortgage Loan and that for each Mortgage Loan, Seller agrees it shall report one
of the following statuses each month as follows: new origination, current,
delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;
(zzz) No Mortgage Loan secured by a Mortgaged Property located in the
Commonwealth of Massachusetts was made to pay off or refinance an existing loan
or other debt of the related borrower (as the term "borrower" is defined in the
regulations promulgated by the Massachusetts Secretary of State in connection
with the Massachusetts General Laws Chapter 183, Section 28C) unless either (i)
(a) the related Mortgage Interest Rate (that would be effective once the
introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did
or would not exceed by more than 2.50% the yield on United States Treasury
securities having comparable periods of maturity to the maturity of the related
Mortgage Loan as of the fifteenth day of the month immediately preceding the
month in which the application for the extension of credit was received by the
related lender or (b) the Mortgage Loan is an "open-end home loan" (as such term
is used in the Massachusetts General Laws Chapter 183, Section 28C or the
regulations promulgated in connection therewith) and the related Mortgage Note
provides that the related Mortgage Interest Rate may not exceed at any time the
Prime rate index as published in the Wall Street Journal plus a margin of one
percent or (ii) such mortgage Loan complies with the laws of the Commonwealth of
Massachusetts; and
(aaaa) Each prepayment penalty set forth in the Mortgage Loan Schedule
provided by the Seller is true and correct..
EXHIBIT E
REQUEST FOR RELEASE
OF DOCUMENTS
To: U.S. Bank National Association
▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇-▇▇-▇▇▇▇
▇▇. ▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn: Structured Finance / MASTR 2006-HE1
▇▇▇▇▇ Fargo Bank, N.A.
Attn: Inventory Control
▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇
▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇
Re: Pooling and Servicing Agreement, dated as of February
1, 2006, among Mortgage Asset Securitization
Transactions, Inc., ▇▇▇▇▇ Fargo Bank, N.A., JPMorgan
Chase Bank, National Association and U.S. Bank
National Association, Mortgage Pass-Through
Certificates, Series 2006-HE1
In connection with the administration of the Mortgage Loans held by you as
Custodian pursuant to the above-captioned Pooling and Servicing Agreement, we
request the release, and hereby acknowledge receipt of the [Custodian's]
[Trustee's] Mortgage File or the Mortgage Loan described below, for the reason
indicated.
In addition, all amounts have been received in connection with such payment,
repurchase or liquidation and have been credited to the related Collection
Account.
Mortgage Loan Number:
Mortgagor Name. Address & Zip Code:
Reason for Requesting Documents (check one):
1. Mortgage Paid in Full ____
2. Foreclosure ____
3. Substitution ____
4. Other Liquidation (Repurchases, etc.) ____
5. Nonliquidation Reason: ______________________________________
Address to which Custodian should deliver
the [Custodian's] [Trustee's] Mortgage File:
By:
---------------------------------------
(authorized signer)
Issuer:
----------------------------------
Address:
----------------------------------
Date:
----------------------------------
[Custodian] [Trustee]
[▇▇▇▇▇ Fargo Bank, N.A.]
[U.S. Bank National Association]
Please acknowledge the execution of the above request by your
signature and date below:
--------------------------- -----------
Signature Date
Documents returned to [Custodian][Trustee]:
--------------------------- -----------
[Custodian][Trustee] Date
EXHIBIT F-1
FORM OF TRANSFEROR REPRESENTATION LETTER
[Date]
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
Attn: Transfer Unit / MASTR 2006-HE1
Re: MASTR Asset Backed Securities Trust 2006-HE1,
Mortgage Pass-Through Certificates, Class ___,
representing a ___% Class ___ Percentage Interest
Ladies and Gentlemen:
In connection with the transfer by ________________ (the
"Transferor") to ________________ (the "Transferee") of the captioned Mortgage
Pass-Through certificates (the "Certificates"), the Transferor hereby certifies
as follows:
Neither the Transferor nor anyone acting on its behalf has (a)
offered, pledged, sold, disposed of or otherwise transferred any Certificate,
any interest in any Certificate or any other similar security to any person in
any manner, (b) has solicited any offer to buy or to accept a pledge,
disposition or other transfer of any Certificate, any interest in any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar security with any person in any manner,
(d) has made any general solicitation by means of general advertising or in any
other manner, (e) has taken any other action, that (in the case of each of
subclauses (a) through (e) above) would constitute a distribution of the
Certificates under the Securities Act of 1933, as amended (the "1933 Act"), or
would render the disposition of any Certificate a violation of Section 5 of the
1933 Act or any state securities law or would require registration or
qualification pursuant thereto. The Transferor will not act, nor has it
authorized or will it authorize any person to act, in any manner set forth in
the foregoing sentence with respect to any Certificate. The Transferor will not
sell or otherwise transfer any of the Certificates, except in compliance with
the provisions of that certain Pooling and Servicing Agreement, dated as of
February 1, 2006, among Mortgage Asset Securitization Transactions, Inc., ▇▇▇▇▇
Fargo Bank, N.A., JPMorgan Chase Bank, National Association and U.S. Bank
National Association (the "Pooling and Servicing Agreement"), pursuant to which
Pooling and Servicing Agreement the Certificates were issued.
Capitalized terms used but not defined herein shall have the
meanings assigned thereto in the Pooling and Servicing Agreement.
Very truly yours,
[Transferor]
By:
-----------------------------------
Name:
Title:
FORM OF TRANSFEREE REPRESENTATION LETTER
[Date]
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
Attn: Transfer Unit / MASTR 2006-HE1
Re: MASTR Asset Backed Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates, Series 2006-HE1, Class ___,
representing a ___% Class ___ Percentage Interest
Ladies and Gentlemen:
In connection with the purchase from ______________________ (the
"Transferor") on the date hereof of the captioned trust certificates (the
"Certificates"), _______________ (the "Transferee") hereby certifies as follows:
1. The Transferee is a "qualified institutional buyer" as that term
is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933 (the
"1933 Act") and has completed either of the forms of certification to that
effect attached hereto as Annex 1 or Annex 2. The Transferee is aware that the
sale to it is being made in reliance on Rule 144A. The Transferee is acquiring
the Certificates for its own account or for the account of a qualified
institutional buyer, and understands that such Certificate may be resold,
pledged or transferred only (i) to a person reasonably believed to be a
qualified institutional buyer that purchases for its own account or for the
account of a qualified institutional buyer to whom notice is given that the
resale, pledge or transfer is being made in reliance on Rule 144A, or (ii)
pursuant to another exemption from registration under the 1933 Act.
2. The Transferee has been furnished with all information regarding
(a) the Certificates and distributions thereon, (b) the nature, performance and
servicing of the Mortgage Loans, (c) the Pooling and Servicing Agreement
referred to below, and (d) any credit enhancement mechanism associated with the
Certificates, that it has requested.
All capitalized terms used but not otherwise defined herein have the
respective meanings assigned thereto in the Pooling and Servicing Agreement,
dated as of February 1, 2006, among Mortgage Asset Securitization Transactions,
Inc., ▇▇▇▇▇ Fargo Bank, N.A., JPMorgan Chase Bank, National Association and U.S.
Bank National Association, pursuant to which the Certificates were issued.
[TRANSFEREE]
By:
-----------------------------------
Name:
Title:
ANNEX 1 TO EXHIBIT F-1
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[FOR TRANSFEREES OTHER THAN REGISTERED INVESTMENT COMPANIES]
The undersigned hereby certifies as follows to [name of Transferor]
(the "Transferor") and ▇▇▇▇▇ Fargo Bank, N.A., as Trust Administrator, with
respect to the Mortgage Pass-Through certificates (the "Certificates") described
in the Transferee Certificate to which this certification relates and to which
this certification is an Annex:
1. As indicated below, the undersigned is the President, Chief
Financial Officer, Senior Vice President or other executive officer of the
entity purchasing the Certificates (the "Transferee").
2. In connection with purchases by the Transferee, the Transferee is
a "qualified institutional buyer" as that term is defined in Rule 144A under the
Securities Act of 1933 ("Rule 144A") because (i) the Transferee owned and/or
invested on a discretionary basis $______________________(1) in securities
(except for the excluded securities referred to below) as of the end of the
Transferee's most recent fiscal year (such amount being calculated in accordance
with Rule 144A) and (ii) the Transferee satisfies the criteria in the category
marked below.
___ CORPORATION, ETC. The Transferee is a corporation (other than a bank,
savings and loan association or similar institution), Massachusetts or similar
business trust, partnership, or any organization described in Section 501(c)(3)
of the Internal Revenue Code of 1986.
___ BANK. The Transferee (a) is a national bank or banking institution
organized under the laws of any State, territory or the District of Columbia,
the business of which is substantially confined to banking and is supervised by
the State or territorial banking commission or similar official or is a foreign
bank or equivalent institution, and (b) has an audited net worth of at least
$25,000,000 as demonstrated in its latest annual financial statements, a copy of
which is attached hereto.
____________________________
(1) Transferee must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Transferee is a dealer, and, in that case,
Transferee must own and/or invest on a discretionary basis at least $10,000,000
in securities. $25,000,000 as demonstrated in its latest annual financial
statements, A COPY OF WHICH IS ATTACHED HERETO.
___ SAVINGS AND LOAN. The Transferee (a) is a savings and loan
association, building and loan association, cooperative bank, homestead
association or similar institution, which is supervised and examined by a State
or Federal authority having supervision over any such institutions or is a
foreign savings and loan association or equivalent institution and (b) has an
audited net worth of at least
___ BROKER-DEALER. The Transferee is a dealer registered pursuant to
Section 15 of the Securities Exchange Act of 1934.
___ INSURANCE COMPANY. The Transferee is an insurance company whose
primary and predominant business activity is the writing of insurance or the
reinsuring of risks underwritten by insurance companies and which is subject to
supervision by the insurance commissioner or a similar official or agency of a
State, territory or the District of Columbia.
___ STATE OR LOCAL PLAN. The Transferee is a plan established and
maintained by a State, its political subdivisions, or any agency or
instrumentality of the State or its political subdivisions, for the benefit of
its employees.
___ ERISA PLAN. The Transferee is an employee benefit plan within the
meaning of Title I of the Employee Retirement Income Security Act of 1974.
___ INVESTMENT ADVISOR. The Transferee is an investment advisor registered
under the Investment Advisers Act of 1940.
3. The term "SECURITIES" as used herein DOES NOT INCLUDE (i)
securities of issuers that are affiliated with the Transferee, (ii) securities
that are part of an unsold allotment to or subscription by the Transferee, if
the Transferee is a dealer, (iii) securities issued or guaranteed by the U.S. or
any instrumentality thereof, (iv) bank deposit notes and certificates of
deposit, (v) loan participations, (vi) repurchase agreements, (vii) securities
owned but subject to a repurchase agreement and (viii) currency, interest rate
and commodity swaps.
4. For purposes of determining the aggregate amount of securities
owned and/or invested on a discretionary basis by the Transferee, the Transferee
used the cost of such securities to the Transferee and did not include any of
the securities referred to in the preceding paragraph. Further, in determining
such aggregate amount, the Transferee may have included securities owned by
subsidiaries of the Transferee, but only if such subsidiaries are consolidated
with the Transferee in its financial statements prepared in accordance with
generally accepted accounting principles and if the investments of such
subsidiaries are managed under the Transferee's direction. However, such
securities were not included if the Transferee is a majority-owned, consolidated
subsidiary of another enterprise and the Transferee is not itself a reporting
company under the Securities Exchange Act of 1934.
5. The Transferee acknowledges that it is familiar with Rule 144A
and understands that the Transferor and other parties related to the
Certificates are relying and will continue to rely on the statements made herein
because one or more sales to the Transferee may be in reliance on Rule 144A.
___ ___ Will the Transferee be purchasing the Certificates
Yes No only for the Transferee's own account?
6. If the answer to the foregoing question is "no", the Transferee
agrees that, in connection with any purchase of securities sold to the
Transferee for the account of a third party (including any separate account) in
reliance on Rule 144A, the Transferee will only purchase for the account of a
third party that at the time is a "qualified institutional buyer" within the
meaning of Rule 144A. In addition, the Transferee agrees that the Transferee
will not purchase securities for a third party unless the Transferee has
obtained a current representation letter from such third party or taken other
appropriate steps contemplated by Rule 144A to conclude that such third party
independently meets the definition of "qualified institutional buyer" set forth
in Rule 144A.
7. The Transferee will notify each of the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice is given, the Transferee's purchase of the Certificates will
constitute a reaffirmation of this certification as of the date of such
purchase. In addition, if the Transferee is a bank or savings and loan as
provided above, the Transferee agrees that it will furnish to such parties
updated annual financial statements promptly after they become available.
Dated: ___________
-----------------------------------------
Print Name of Transferee
By:
-----------------------------------
Name:
Title:
ANNEX 2 TO EXHIBIT F-1
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[FOR TRANSFEREES THAT ARE REGISTERED INVESTMENT COMPANIES]
The undersigned hereby certifies as follows to [name of Transferor]
(the "Transferor") and ▇▇▇▇▇ Fargo Bank, N.A., as Trust Administrator, with
respect to the Mortgage Pass-Through certificates (the "Certificates") described
in the Transferee Certificate to which this certification relates and to which
this certification is an Annex:
1. As indicated below, the undersigned is the President, Chief
Financial Officer or Senior Vice President of the entity purchasing the
Certificates (the "Transferee") or, if the Transferee is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities
Act of 1933 ("Rule 144A") because the Transferee is part of a Family of
Investment Companies (as defined below), is such an officer of the investment
adviser (the "Adviser").
2. In connection with purchases by the Transferee, the Transferee is
a "qualified institutional buyer" as defined in Rule 144A because (i) the
Transferee is an investment company registered under the Investment Company Act
of 1940, and (ii) as marked below, the Transferee alone, or the Transferee's
Family of Investment Companies, owned at least $100,000,000 in securities (other
than the excluded securities referred to below) as of the end of the
Transferee's most recent fiscal year. For purposes of determining the amount of
securities owned by the Transferee or the Transferee's Family of Investment
Companies, the cost of such securities was used.
____ The Transferee owned $___________________ in securities (other
than the excluded securities referred to below) as of the end
of the Transferee's most recent fiscal year (such amount being
calculated in accordance with Rule 144A).
____ The Transferee is part of a Family of Investment Companies
which owned in the aggregate $______________ in securities
(other than the excluded securities referred to below) as of
the end of the Transferee's most recent fiscal year (such
amount being calculated in accordance with Rule 144A).
3. The term "FAMILY OF INVESTMENT COMPANIES" as used herein means
two or more registered investment companies (or series thereof) that have the
same investment adviser or investment advisers that are affiliated (by virtue of
being majority owned subsidiaries of the same parent or because one investment
adviser is a majority owned subsidiary of the other).
4. The term "SECURITIES" as used herein does not include (i)
securities of issuers that are affiliated with the Transferee or are part of the
Transferee's Family of Investment Companies, (ii) securities issued or
guaranteed by the U.S. or any instrumentality thereof, (iii) bank deposit notes
and certificates of deposit, (iv) loan participations, (v) repurchase
agreements, (vi) securities owned but subject to a repurchase agreement and
(vii) currency, interest rate and commodity swaps.
5. The Transferee is familiar with Rule 144A and understands that
the parties to which this certification is being made are relying and will
continue to rely on the statements made herein because one or more sales to the
Transferee will be in reliance on Rule 144A. In addition, the Transferee will
only purchase for the Transferee's own account.
6. The undersigned will notify the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice, the Transferee's purchase of the Certificates will constitute
a reaffirmation of this certification by the undersigned as of the date of such
purchase.
Dated: __________
---------------------------------------------
Print Name of Transferee or Advisor
By:
--------------------------------------
Name
Title
IF AN ADVISER:
---------------------------------------------
Print Name of Buyer
FORM OF TRANSFEREE REPRESENTATION LETTER
The undersigned hereby certifies on behalf of the purchaser named
below (the "Purchaser") as follows:
1. I am an executive officer of the Purchaser.
2. The Purchaser is a "qualified institutional buyer", as defined in
Rule 144A, ("Rule 144A") under the Securities Act of 1933, as amended.
3. As of the date specified below (which is not earlier than the
last day of the Purchaser's most recent fiscal year), the amount of
"securities", computed for purposes of Rule 144A, owned and invested on a
discretionary basis by the Purchaser was in excess of $100,000,000.
Name of Purchaser
--------------------------
By:
----------------------------------
Name:
Title:
Date of this certificate: ______________
Date of information provided in paragraph 3: ______________
EXHIBIT F-2
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
1. The undersigned is an officer of the proposed Transferee of an
Ownership Interest in a Class [R] [R-X] Certificate (the "Certificate") issued
pursuant to the Pooling and Servicing Agreement, dated as of February 1, 2006,
among Mortgage Asset Securitization Transactions, Inc., ▇▇▇▇▇ Fargo Bank, N.A.,
JPMorgan Chase Bank, National Association and U.S. Bank National Association
(the "Agreement"). Capitalized terms used, but not defined herein or in Exhibit
1 hereto, shall have the meanings ascribed to such terms in the Agreement. The
Transferee has authorized the undersigned to make this affidavit on behalf of
the Transferee for the benefit of the Depositor and the Trustee.
2. The Transferee is, as of the date hereof, and will be, as of the
date of the Transfer, a Permitted Transferee. The Transferee is acquiring its
Ownership Interest in the Certificate for its own account. The Transferee has no
knowledge that any such affidavit is false.
3. The Transferee has been advised of, and understands that (i) a
tax will be imposed on Transfers of the Certificate to Persons that are not
Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if
such Transfer is through an agent (which includes a broker, nominee or
middleman) for a Person that is not a Permitted Transferee, on the agent; and
(iii) the Person otherwise liable for the tax shall be relieved of liability for
the tax if the subsequent Transferee furnished to such Person an affidavit that
such subsequent Transferee is a Permitted Transferee and, at the time of
Transfer, such Person does not have actual knowledge that the affidavit is
false.
4. The Transferee has been advised of, and understands that a tax
will be imposed on a "pass-through entity" holding the Certificate if at any
time during the taxable year of the pass-through entity a Person that is not a
Permitted Transferee is the record holder of an interest in such entity. The
Transferee understands that such tax will not be imposed for any period with
respect to which the record holder furnishes to the pass-through entity an
affidavit that such record holder is a Permitted Transferee and the pass-through
entity does not have actual knowledge that such affidavit is false. (For this
purpose, a "pass-through entity" includes a regulated investment company, a real
estate investment trust or common trust fund, a partnership, trust or estate,
and certain cooperatives and, except as may be provided in Treasury Regulations,
persons holding interests in pass-through entities as a nominee for another
Person.)
5. The Transferee has reviewed the provisions of Section 5.02(d) of
the Agreement and understands the legal consequences of the acquisition of an
Ownership Interest in the Certificate including, without limitation, the
restrictions on subsequent Transfers and the provisions regarding voiding the
Transfer and mandatory sales. The Transferee expressly agrees to be bound by and
to abide by the provisions of Section 5.02(d) of the Agreement and the
restrictions noted on the face of the Certificate. The Transferee understands
and agrees that any breach of any of the representations included herein shall
render the Transfer to the Transferee contemplated hereby null and void.
6. The Transferee agrees to require a Transfer Affidavit from any
Person to whom the Transferee attempts to Transfer its Ownership Interest in the
Certificate, and in connection with any Transfer by a Person for whom the
Transferee is acting as nominee, trustee or agent, and the Transferee will not
Transfer its Ownership Interest or cause any Ownership Interest to be
Transferred to any Person that the Transferee knows is not a Permitted
Transferee. In connection with any such Transfer by the Transferee, the
Transferee agrees to deliver to the Trustee a certificate substantially in the
form set forth as Exhibit L to the Agreement (a "Transferor Certificate") to the
effect that such Transferee has no actual knowledge that the Person to which the
Transfer is to be made is not a Permitted Transferee.
7. The Transferee has historically paid its debts as they have come
due, intends to pay its debts as they come due in the future, and understands
that the taxes payable with respect to the Certificate may exceed the cash flow
with respect thereto in some or all periods and intends to pay such taxes as
they become due. The Transferee does not have the intention to impede the
assessment or collection of any tax legally required to be paid with respect to
the Certificate.
8. The Transferee's taxpayer identification number is
[_____________].
9. The Transferee is a U.S. Person as defined in Code Section
7701(a)(30).
10. The Transferee is aware that the Certificate may be a
"noneconomic residual interest" within the meaning of proposed Treasury
regulations promulgated pursuant to the Code and that the transferor of a
noneconomic residual interest will remain liable for any taxes due with respect
to the income on such residual interest, unless no significant purpose of the
transfer was to impede the assessment or collection of tax.
11. The Transferee will not cause income from the Certificate to be
attributable to a foreign permanent establishment or fixed base, within the
meaning of an applicable income tax treaty, of the Transferee or any other U.S.
person.
12. Check one of the following:
The present value of the anticipated tax liabilities associated
with holding the Certificate, as applicable, does not exceed the sum of:
(i) the present value of any consideration given to the Transferee
to acquire such Certificate;
(ii) the present value of the expected future distributions on such
Certificate; and
(iii) the present value of the anticipated tax savings associated
with holding such Certificate as the related REMIC generates
losses.
For purposes of this calculation, (i) the Transferee is assumed to
pay tax at the highest rate currently specified in Section 11(b) of the Code
(but the tax rate in Section 55(b)(1)(B) of the Code may be used in lieu of the
highest rate specified in Section 11(b) of the Code if the Transferee has been
subject to the alternative minimum tax under Section 55 of the Code in the
preceding two years and will compute its taxable income in the current taxable
year using the alternative minimum tax rate) and (ii) present values are
computed using a discount rate equal to the short-term Federal rate prescribed
by Section 1274(d) of the Code for the month of the transfer and the compounding
period used by the Transferee.
The transfer of the Certificate complies with U.S. Treasury
Regulations Sections 1.860E-1(c)(5) and (6) and, accordingly,
(i) the Transferee is an "eligible corporation," as defined in
U.S. Treasury Regulations Section 1.860E-1(c)(6)(i), as to
which income from the Certificate will only be taxed in the
United States;
(ii) at the time of the transfer, and at the close of the
Transferee's two fiscal years preceding the year of the
transfer, the Transferee had gross assets for financial
reporting purposes (excluding any obligation of a person
related to the Transferee within the meaning of U.S. Treasury
Regulations Section 1.860E-1(c)(6)(ii)) in excess of $100
million and net assets in excess of $10 million;
(iii) the Transferee will transfer the Certificate only to another
"eligible corporation," as defined in U.S. Treasury
Regulations Section 1.860E-1(c)(6)(i), in a transaction that
satisfies the requirements of Sections 1.860E-1(c)(4)(i), (ii)
and (iii) and Section 1.860E-1(c)(5) of the U.S. Treasury
Regulations; and
(iv) the Transferee determined the consideration paid to it to
acquire the Certificate based on reasonable market assumptions
(including, but not limited to, borrowing and investment
rates, prepayment and loss assumptions, expense and
reinvestment assumptions, tax rates and other factors specific
to the Transferee) that it has determined in good faith.
None of the above.
13. The Transferee is not an employee benefit plan that is subject
to Title I of ERISA or a plan that is subject to Section 4975 of the Code or a
plan subject to any Federal, state or local law that is substantially similar to
Title I of ERISA or Section 4975 of the Code, and the Transferee is not acting
on behalf of or investing plan assets of such a plan.
IN WITNESS WHEREOF, the Owner has caused this instrument to be
executed on its behalf, pursuant to the authority of its Board of Directors,
by its [Vice] President, attested by its [Assistant] Secretary, this ____ day
of __________, 20__.
[OWNER]
By:
--------------------------------
Name:
Title: [Vice] President
ATTEST:
By:
--------------------------------
Name:
Title: [Assistant] Secretary
Personally appeared before me the above-named , known or proved to
me to be the same person who executed the foregoing instrument and to be a
[Vice] President of the Owner, and acknowledged to me that [he/she] executed the
same as [his/her] free act and deed and the free act and deed of the Owner.
Subscribed and sworn before me this ____ day of __________, 20___.
_______________________________________
Notary Public
County of __________________
State of ___________________
My Commission expires:
FORM OF TRANSFEROR AFFIDAVIT
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
__________________________, being duly sworn, deposes, represents
and warrants as follows:
1. I am a ____________________ of ____________________________ (the
"Owner"), a corporation duly organized and existing under the laws of
______________, on behalf of whom I make this affidavit.
2. The Owner is not transferring the Residual Certificates (the
"Residual Certificates") to impede the assessment or collection of any tax.
3. The Owner has no actual knowledge that the Person that is the
proposed transferee (the "Purchaser") of the Residual Certificates: (i) has
insufficient assets to pay any taxes owed by such proposed transferee as holder
of the Residual Certificates; (ii) may become insolvent or subject to a
bankruptcy proceeding for so long as the Residual Certificates remain
outstanding; and (iii) is not a Permitted Transferee.
4. The Owner understands that the Purchaser has delivered to the
Trust Administrator a transfer affidavit and agreement in the form attached to
the Pooling and Servicing Agreement as Exhibit F-2. The Owner does not know or
believe that any representation contained therein is false.
5. At the time of transfer, the Owner has conducted a reasonable
investigation of the financial condition of the Purchaser as contemplated by
Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that
investigation, the Owner has determined that the Purchaser has historically paid
its debts as they became due and has found no significant evidence to indicate
that the Purchaser will not continue to pay its debts as they become due in the
future. The Owner understands that the transfer of a Residual Certificate may
not be respected for United States income tax purposes (and the Owner may
continue to be liable for United States income taxes associated therewith)
unless the Owner has conducted such an investigation.
6. Capitalized terms not otherwise defined herein shall have the
meanings ascribed to them in the Pooling and Servicing Agreement.
IN WITNESS WHEREOF, the Owner has caused this instrument to be
executed on its behalf, pursuant to the authority of its Board of Directors,
by its [Vice] President, attested by its [Assistant] Secretary, this ____ day
of ___________, 20__.
[OWNER]
By:
--------------------------------
Name:
Title: [Vice] President
ATTEST:
By:
--------------------------------
Name:
Title: [Assistant] Secretary
Personally appeared before me the above-named , known or proved to
me to be the same person who executed the foregoing instrument and to be a
[Vice] President of the Owner, and acknowledged to me that [he/she] executed the
same as [his/her] free act and deed and the free act and deed of the Owner.
Subscribed and sworn before me this ____ day of __________, 20___.
_______________________________________
Notary Public
County of __________________
State of ___________________
My Commission expires:
EXHIBIT G
FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE
_____________, 2005
Mortgage Asset Securitization Transactions, Inc.
▇▇▇▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇
▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇-▇▇▇▇
U.S. Bank National Association
▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇-▇▇-▇▇▇▇
▇▇. ▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn: Structured Finance / MASTR 2006-HE1
Re: MASTR Asset Backed Securities Trust 2006-HE1,
Mortgage Pass-Through Certificates, Class
Dear Sirs:
_______________________ (the "Transferee") intends to acquire from
_____________________ (the "Transferor") $____________ Initial Certificate
Principal Balance of MASTR Asset Backed Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates, Series 2006-HE1, Class [CE] [P] [R](the
"Certificates"), issued pursuant to a Pooling and Servicing Agreement (the
"Pooling and Servicing Agreement") dated as of February 1, 2006, among Mortgage
Asset Securitization Transactions, Inc., ▇▇▇▇▇ Fargo Bank, N.A., JPMorgan Chase
Bank, National Association and U.S. Bank National Association. 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 Trust
Administrator, the Trustee and the Master Servicer that:
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,
-----------------------------------------
By:
--------------------------------
Name:
Title:
EXHIBIT H
FORM OF REPORT PURSUANT TO SECTION 4.06
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-K
ANNUAL REPORT
Pursuant to Section 13 or 15(d) of the
SECURITIES EXCHANGE ACT OF 1934 (FEE REQUIRED)
FOR FISCAL YEAR ENDED ________________
COMMISSION FILE NUMBER: 333-_______
MORTGAGE ASSET SECURITIZATION TRANSACTIONS, INC.
(as depositor under the Pooling and Servicing Agreement,
dated as of February 1, 2006, providing for the issuance of
MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-HE1)
Mortgage Asset Securitization Transactions, Inc.
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
Delaware [ ]
------------------------------ --------------
(State or Other Jurisdiction (I.R.S. Employer
of Incorporation) Identification No.)
▇▇▇▇ ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ 10019
------------------------ -----
(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: [___]
Securities registered pursuant to Section 12(b) of the Act:
None
Securities registered pursuant to Section 12(g) of the Act:
None
Indicate whether the Registrant: (1) has filed all reports required to be filed
by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the
preceding 12 months (or for such shorter period that the registrant was required
to file such reports), and (2) has been subject to such filing requirements for
the past 90 days.
|X| YES |_| No
Item 1. Business:
Not applicable
Item 2. Properties:
Not applicable
Item 3. Legal Proceedings:
None
Item 4. Submission of Matters to a Vote of Security-Holders
None
Item 5. Market for Registrant's Common Equity and Related Stockholder Matters
To the best knowledge of the registrant there is no established public trading
market for the certificates.
There are approximately _____ holders of record as of the end of the reporting
year.
Item 6. Selected Financial Data.
Not applicable.
Item 7. Management's Discussion and Analysis of Financial Condition and
Results of Operations
Not applicable
Item 8. Financial Statements and Supplementary Data.
Not applicable.
Item 9. Changes in and Disagreements With Accountants on Accounting and
Financial Disclosure
None
Item 10.
Not applicable
Item 11. Executive Compensation
Not applicable
Item 12. Security Ownership of Certain Beneficial Owners and Management
Not applicable
Item 13. Certain Relationships and Related Transactions
Not applicable
Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K
a) The company filed on Form 8-K, separately for each distribution
date, the distribution of funds related to the trust for each of the
following distribution dates:
Distribution Date Form 8-K Filing Date
----------------- --------------------
----------------- ----------------
----------------- ----------------
----------------- ----------------
b) 99.1 Annual Report of Independent Public Accountants' as to o
master servicing activities or servicing activities, as applicable
(a) ▇▇▇▇▇ Fargo Bank, N.A., as Master Servicer
99.2 Annual Statement of Compliance with obligations under the
Pooling and Servicing Agreement or servicing agreement, as
applicable, of:
(a) ▇▇▇▇▇ Fargo Bank, N.A., as Master Servicer
Such document (i) is not filed herewith since such document was not received by
the Reporting Person at least three business days prior to the due date of this
report; and (ii) will be included in an amendment to this report on Form 10-K/A
to be filed within 30 days of the Reporting Person's receipt of such document.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the
Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned thereunto duly authorized.
Date: ___________
Mortgage Asset Securitization Transactions,
Inc., by ▇▇▇▇▇ Fargo Bank, N.A., as Trustee
Administrator for MASTR Asset Backed
Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates
By:
-----------------------------------
Name:
Title:
Company:
EXHIBIT I
FORM OF LOST NOTE AFFIDAVIT
Loan #: ____________
BORROWER: _____________
LOST NOTE AFFIDAVIT
I, as ____________________ of ______________________, a
_______________ corporation am authorized to make this Affidavit on behalf of
_____________________ (the "Seller"). In connection with the administration of
the Mortgage Loans held by ____________________, a _________________ corporation
as Seller on behalf of Mortgage Asset Securitization Transactions, Inc. (the
"Purchaser"), _____________________ (the "Deponent"), being duly sworn, deposes
and says that:
1. The Seller's address is: _____________________
_____________________
_____________________
2. The Seller previously delivered to the Purchaser a signed Initial
Certification with respect to such Mortgage and/or Assignment of
Mortgage;
3. Such Mortgage Note and/or Assignment of Mortgage was assigned or
sold to the Purchaser by ________________________, a ____________
corporation pursuant to the terms and provisions of a Mortgage Loan
Purchase Agreement dated as of __________ __, _____;
4. Such Mortgage Note and/or Assignment of Mortgage is not outstanding
pursuant to a request for release of Documents;
5. Aforesaid Mortgage Note and/or Assignment of Mortgage (the
"Original") has been lost;
6. Deponent has made or caused to be made a diligent search for the
Original and has been unable to find or recover same;
7. The Seller was the Seller of the Original at the time of the loss;
and
8. Deponent agrees that, if said Original should ever come into
Seller's possession, custody or power, Seller will immediately and
without consideration surrender the Original to the Purchaser.
9. Attached hereto is a true and correct copy of (i) the Note, endorsed
in blank by the Mortgagee and (ii) the Mortgage or Deed of Trust
(strike one) which secures the Note, which Mortgage or Deed of Trust
is recorded in the county where the property is located.
10. Deponent hereby agrees that the Seller (a) shall indemnify and
hold harmless the Purchaser, its successors and assigns, against any loss,
liability or damage, including reasonable attorney's fees, resulting from the
unavailability of any Notes, including but not limited to any loss, liability or
damage arising from (i) any false statement contained in this Affidavit, (ii)
any claim of any party that has already purchased a mortgage loan evidenced by
the Lost Note or any interest in such mortgage loan, (iii) any claim of any
borrower with respect to the existence of terms of a mortgage loan evidenced by
the Lost Note on the related property to the fact that the mortgage loan is not
evidenced by an original note and (iv) the issuance of a new instrument in lieu
thereof (items (i) through (iv) above hereinafter referred to as the "Losses")
and (b) if required by any Rating Agency in connection with placing such Lost
Note into a Pass-Through Transfer, shall obtain a surety from an insurer
acceptable to the applicable Rating Agency to cover any Losses with respect to
such Lost Note.
11. This Affidavit is intended to be relied upon by the Purchaser,
its successors and assigns. _____________________, a ______________ corporation
represents and warrants that is has the authority to perform its obligations
under this Affidavit of Lost Note.
Executed this ____ day, of ___________ ______.
SELLER
By:
-----------------------------------
Name:
Title:
On this _____ day of ________, _____, before me appeared
_________________ to me personally known, who being duly sworn did say that he
is the _____________________ of ____________________ a ______________
corporation and that said Affidavit of Lost Note was signed and sealed on behalf
of such corporation and said acknowledged this instrument to be the free act and
deed of said corporation.
Signature:
[Seal]
EXHIBIT J-1
FORM CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER
WITH FORM 10-K
Certification
I, [identify the certifying individual], certify that:
1. I have reviewed this annual report on Form 10-K, and all reports
on Form 8-K containing distribution or servicing reports filed in respect of
periods included in the year covered by this annual report, of [identify issuer
(i.e., the name of the specific deal to which this certification relates rather
than just the name of the Depositor)];
2. Based on my knowledge, the information in these reports, taken as
a whole, does not contain any untrue statement of a material fact or omit to
state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading, as of the
last day of the period covered by this annual report;
3. Based on my knowledge, the distribution or servicing information
required to be provided to the trustee by the Master Servicer, the Trust
Administrator under the pooling and servicing, or similar, agreement, for
inclusion in these reports is included in these reports;
4. Based on my knowledge and upon the annual compliance statement
included in the report and required to be delivered to the Trustee in accordance
with the terms of the Pooling and Servicing Agreement, and except as disclosed
in the reports, the Master Servicer, the Trust Administrator has fulfilled its
obligations under the servicing agreement; and
5. The reports disclose all significant deficiencies relating to the
Master Servicer, the Trust Administrator's compliance with the minimum servicing
standards based upon the report provided by an independent public accountant,
after conducting a review in compliance with the Uniform Single Attestation
Program for Mortgage Bankers or similar procedure, as set forth in the pooling
and servicing, or similar, agreement, that is included in these reports.
In giving the certifications above, I have reasonably relied on
information provided to me by the following unaffiliated parties: ▇▇▇▇▇ Fargo
Bank, N.A..
▇▇▇▇▇ FARGO BANK, N.A.
By:
--------------------------------
Name:
Title:
Date:
EXHIBIT J-2
FORM OF CERTIFICATION TO BE PROVIDED TO MASTER SERVICER BY THE SERVICER
(▇▇▇▇▇ FARGO)
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
Re: Pooling and Servicing Agreement, dated as of February 1, 2006,
among Mortgage Asset Securitization Transactions, Inc., ▇▇▇▇▇
Fargo Bank, N.A., JPMorgan Chase Bank, National Association and
U.S. Bank National Association (the "Agreement")
▇▇▇▇▇ Fargo Bank, N.A., as Servicer hereby certifies to the Master
Servicer that:
(A) I have reviewed the servicer compliance statement of the Company
provided in accordance with Item 1123 of Regulation AB (the "Compliance
Statement"), the report on assessment of the Company's compliance with the
servicing criteria set forth in Item 1122(d) of Regulation AB (the "Servicing
Criteria"), provided in accordance with Rules 13a-18 and 15d-18 under Securities
Exchange Act of 1934, as amended (the "Exchange Act") and Item 1122 of
Regulation AB (the "Servicing Assessment"), the registered public accounting
firm's attestation report provided in accordance with Rules 13a-18 and 15d-18
under the Exchange Act and Section 1122(b) of Regulation AB (the "Attestation
Report"), and all servicing reports, officer's certificates and other
information relating to the servicing of the Mortgage Loans by the Company
during 200[ ] that were delivered by the Company to the Depositor pursuant to
the Agreement (collectively, the "Company Servicing Information");
(B) Based on my knowledge, the Company Servicing Information, taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a material fact necessary to make the statements made, in the light of the
circumstances under which such statements were made, not misleading with respect
to the period of time covered by the Company Servicing Information;
(C) Based on my knowledge, all of the Company Servicing Information
required to be provided by the Company under the Agreement has been provided to
the Depositor;
(D) I am responsible for reviewing the activities performed by the Company
as servicer under the Agreement, and based on my knowledge and the compliance
review conducted in preparing the Compliance Statement and except as disclosed
in the Compliance Statement, the Servicing Assessment or the Attestation Report,
the Company has fulfilled its obligations under the Agreement in all material
respects; and
(E) The Compliance Statement required to be delivered by the Company
pursuant to this Agreement, and the Servicing Assessment and Attestation Report
required to be provided by the Company and by any Subservicer and Subcontractor
pursuant to the Agreement, have been provided to the Depositor. Any material
instances of noncompliance described in such reports have been disclosed to the
Depositor. Any material instance of noncompliance with the Servicing Criteria
has been disclosed in such reports.
Date: _________________________
By: _______________________________
Name:
Title:
EXHIBIT J-3
FORM OF CERTIFICATION TO BE PROVIDED TO MASTER SERVICER BY THE
SERVICER (JPMorgan)
Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among
[IDENTIFY PARTIES]
The Servicer certifies to [the Purchaser], [the Depositor], and the
[Master Servicer] [Securities Administrator] [Trustee], and their
officers, with the knowledge and intent that they will rely upon this
certification, that:
(1) The Servicer has reviewed the servicer compliance statement of the
Servicer provided in accordance with Item 1123 of Regulation AB (the
"Compliance Statement"), the report on assessment of the Servicer's
compliance with the servicing criteria set forth in Item 1122(d) of
Regulation AB (the "Servicing Criteria"), provided in accordance with
Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended
(the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing
Assessment"), the registered public accounting firm's attestation report
provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act
and Section 1122(b) of Regulation AB (the "Attestation Report"), and all
servicing reports, officer's certificates and other information relating
to the servicing of the Mortgage Loans by the Servicer during 200[ ] that
were delivered by the Servicer to the [Depositor] [Master Servicer]
[Securities Administrator] [Trustee] pursuant to the Agreement
(collectively, the "Servicer Servicing Information");
(2) Based on the Servicer's knowledge, the Servicer Servicing Information,
taken as a whole, does not contain any untrue statement of a material fact
or omit to state a material fact necessary to make the statements made, in
the light of the circumstances under which such statements were made, not
misleading with respect to the period of time covered by the Servicer
Servicing Information;
(3) Based on the Servicer's knowledge, all of the Servicer Servicing
Information required to be provided by the Servicer under the Agreement
has been provided to the [Depositor] [Master Servicer] [Securities
Administrator] [Trustee];
(4) Based on the Servicer's knowledge and the compliance review conducted
in preparing the Compliance Statement and except as disclosed in the
Compliance Statement, the Servicing Assessment or the Attestation Report,
the Servicer has fulfilled its obligations under the Agreement in all
material respects; and
(5) The Compliance Statement required to be delivered by the Servicer
pursuant to the Agreement, and the Servicing Assessment and Attestation
Report required to be provided by the Servicer and by any Subservicer or
Subcontractor pursuant to the Agreement, have been provided to the
[Depositor] [Master Servicer]. Any material instances of noncompliance
described in such reports have been disclosed to the [Depositor] [Master
Servicer]. Any material instance of noncompliance with the Servicing
Criteria has been disclosed in such reports.
Date: _________________________
By:
Name: ________________________________
Title: ________________________________
EXHIBIT K
FORM OF CAP CONTRACT
ASSIGNMENT AGREEMENT
UBS AG has entered into the transaction listed on Attachment 1 hereto with
Reference Number 37301208 (the "Old Transaction") with UBS Real Estate
Securities, Inc. ("UBS Real Estate").
For valuable consideration, receipt of which is hereby acknowledged, UBS
Real Estate hereby assigns, transfers and sets over effective February 27, 2006
unto Mortgage Asset Securitization Transactions Inc. ("MASTR"), without recourse
all of its rights, title and interest in and to the Old Transaction and UBS Real
Estate hereby gives MASTR and its assigns full power and authority for its or
their own uses and benefit, but at its or their own cost, to demand, collect,
receive and give acquittance for the same or any part of thereof, and to
prosecute or withdraw any suits or proceedings therefore. UBS AG hereby consents
to the assignment of the Old Transaction to MASTR as herein provided.
Upon the effectiveness of such assignment, for valuable consideration,
receipt of which is hereby acknowledged, MASTR hereby assigns, transfers and
sets over effective February 27, 2006 unto ▇▇▇▇▇ Fargo Bank, N.A., not
individually, but solely as trustee on behalf of the Supplemental Interest Trust
for the MASTR Asset Backed Securities Trust 2006-HE1, Mortgage Pass Through
Certificates, Series 2006-HE1 (the "Trust"), without recourse, all of its
rights, title and interest in and to the Old Transaction (as so assigned and
transferred, referenced by UBS AG as a new transaction with Reference Number
37302517, as listed on Attachment 2 hereto and referred to as the "New
Transaction") and MASTR hereby gives the Trust and its assigns full power and
authority for its or their own uses and benefit, but at its or their own cost,
to demand, collect, receive and give acquittance for the same or any part of
thereof, and to prosecute or withdraw any suits or proceedings therefor. UBS AG
hereby consents to the assignment of the New Transaction to the Trust as herein
provided, with the understanding that the provisions labeled "Additional
Provisions" in the confirmation relating to the New Transaction shall become
effective upon the assignment to the Trust.
Each party hereby represents and warrants to the other that the execution,
delivery and performance of this Assignment Agreement by it are within its
powers, and have been duly authorized by all necessary corporate or other action
and that this Assignment Agreement constitutes its legal, valid and binding
obligation.
This Assignment Agreement shall be governed by and construed and
interpreted in accordance with the laws of the State of New York without regard
the conflict of law provisions thereof other than New York General Obligations
Law Sections 5-1401 and 5-1402.
IN WITNESS WHEREOF, the parties have duly executed this Assignment Agreement as
of the date first written above.
UBS AG UBS REAL ESTATE SECURITIES, INC.
By: By: ___________________________________
NAME: ▇▇▇▇▇▇▇▇ ▇▇▇▇ NAME:
Title: Director Title:
By: By: ____________________________________
NAME: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ NAME:
Title: Associate Director Title:
MORTGAGE ASSET SECURITIZATION ▇▇▇▇▇ Fargo Bank, N.A., not
TRANSACTIONS INC. individually, but solely as trustee on
behalf of the Supplemental Interest
Trust for the MASTR Asset Backed
Securities Trust 2006-HE1, Mortgage
Pass Through Certificates, Series
2006-HE1
By:_________________________________ By: __________________________________
NAME: NAME:
Title: Title:
By:_________________________________
NAME:
TITLE:
ATTACHMENT 1
[UBS Logo]
Date: 27 February 2006
To: UBS Real Estate Securities, Inc. ("Counterparty")
Attention: Swaps Administration
From: UBS AG, London Branch ("UBS AG")
Subject: Interest Rate Cap Transaction
UBS AG REF: 37301208
Dear Sirs
The purpose of this communication is to confirm the terms and conditions of the
Transaction entered into between us on the Trade Date specified below. This
Confirmation constitutes a "Confirmation" as referred to in the Master Agreement
or Agreement specified below.
The definitions contained in the 2000 ISDA Definitions as published by the
International Swaps and Derivatives Association, Inc., are incorporated into
this Confirmation. In the event of any inconsistency between any of the
definitions listed above and this Confirmation, this Confirmation will govern.
If you and we are parties to a master agreement that governs transactions of
this type (whether in the form of the ISDA Master Agreement (Multicurrency-Cross
Border)(the "ISDA Form") or any other form (a "Master Agreement"), then this
Confirmation will supplement, form a part of, and be subject to that Master
Agreement. If you and we are not parties to such a Master Agreement, then you
and we agree to use all reasonable efforts promptly to negotiate, execute and
deliver an agreement in the form of the ISDA Form, with such modifications as
you and we will in good faith agree. Upon the execution by you and us of such an
agreement, this Confirmation will supplement, form a part of and be subject to
and governed by that agreement, except as expressly modified below. Until we
execute and deliver that agreement, this Confirmation, together with all other
documents referring to the ISDA Form (each a "Confirmation") confirming
transactions (each a "Transaction") entered into between us (notwithstanding
anything to the contrary in a confirmation), shall supplement, form a part of,
and be subject to an agreement in the form of the ISDA Form as if we had
executed an agreement in such form (but without any Schedule except for the
election of the laws of New York as the Governing Law and U.S. Dollars as the
Termination Currency) on the Trade Date of the first Transaction between us
(hereinafter the "Agreement"). In the event of any inconsistency between the
provisions of any such Agreement and this Confirmation, this Confirmation will
prevail for the purposes of this Transaction.
The terms of the particular Cap Transaction to which this Confirmation relates
are as follows:
GENERAL TERMS
Trade Date: 27 February 2006
Effective Date 25 March 2006
Termination Date: 25 September 2009, subject to adjustment in
accordance with the Modified Following Business
Day Convention.
Calculation Amount: Initially USD 2,646,000.00, amortizing as per
Amortizing Schedule below
-------------------------------------------------------------------------------
AMORTIZATION SCHEDULE:
PERIOD FROM PERIOD TO CALCULATION AMOUNT (USD)
-------------------------------------------------------------------------------
25-Mar-06 25-Apr-06 2,646,000
25-Apr-06 25-May-06 6,233,000
25-May-06 25-Jun-06 10,404,000
25-Jun-06 25-Jul-06 15,578,000
25-Jul-06 25-Aug-06 21,595,000
25-Aug-06 25-Sep-06 27,987,000
25-Sep-06 25-Oct-06 35,020,000
25-Oct-06 25-Nov-06 41,514,000
25-Nov-06 25-Dec-06 48,030,000
25-Dec-06 25-Jan-07 53,434,000
25-Jan-07 25-Feb-07 58,115,000
25-Feb-07 25-Mar-07 57,968,000
25-Mar-07 25-Apr-07 61,640,000
25-Apr-07 25-May-07 64,640,000
25-May-07 25-Jun-07 65,415,000
25-Jun-07 25-Jul-07 63,854,000
25-Jul-07 25-Aug-07 57,849,000
25-Aug-07 25-Sep-07 48,038,000
25-Sep-07 25-Oct-07 48,459,000
25-Oct-07 25-Nov-07 58,420,000
25-Nov-07 25-Dec-07 66,464,000
25-Dec-07 25-Jan-08 72,709,000
25-Jan-08 25-Feb-08 76,886,000
25-Feb-08 25-Mar-08 72,076,000
25-Mar-08 25-Apr-08 69,223,000
25-Apr-08 25-May-08 66,831,000
25-May-08 25-Jun-08 65,284,000
25-Jun-08 25-Jul-08 66,535,000
25-Jul-08 25-Aug-08 67,587,000
25-Aug-08 25-Sep-08 55,007,000
25-Sep-08 25-Oct-08 82,569,000
25-Oct-08 25-Nov-08 82,175,000
25-Nov-08 25-Dec-08 134,335,000
25-Dec-08 25-Jan-09 130,384,000
25-Jan-09 25-Feb-09 126,524,000
25-Feb-09 25-Mar-09 112,242,000
25-Mar-09 25-Apr-09 109,123,000
25-Apr-09 25-May-09 106,192,000
25-May-09 25-Jun-09 103,359,000
25-Jun-09 25-Jul-09 100,619,000
25-Jul-09 25-Aug-09 97,968,000
25-Aug-09 Termination Date 85,058,000
The dates in the above schedule with the exception of the Effective Date will be
subject to adjustment in accordance with the Modified Following Business Day
Convention.
Seller of the Cap: UBS AG
Buyer of the Cap: Counterparty
Calculation Agent: UBS AG, unless otherwise specified in the
schedule to the Master Agreement
Business Days: New York
Broker: None
FIXED AMOUNTS
Fixed Rate Payer: Counterparty
Fixed Amount: Not Applicable
Fixed Rate Payer
Payment Date: Not Applicable
Business Day Convention: Not Applicable
FLOATING AMOUNTS
Floating Rate Payer: UBS AG
Cap Rate: As per Cap Rate Schedule A below
--------------------------------------------------------------------------------
CAP RATE SCHEDULE A
PERIOD FROM PERIOD TO CAP RATE
--------------------------------------------------------------------------------
Effective Date 25-Apr-06 4.908
25-Apr-06 25-May-06 5.064
25-May-06 25-Jun-06 5.214
25-Jun-06 25-Jul-06 5.292
25-Jul-06 25-Aug-06 5.435
25-Aug-06 25-Sep-06 5.558
25-Sep-06 25-Oct-06 5.546
25-Oct-06 25-Nov-06 5.648
25-Nov-06 25-Dec-06 5.730
25-Dec-06 25-Jan-07 5.701
25-Jan-07 25-Feb-07 5.771
25-Feb-07 25-Mar-07 5.824
25-Mar-07 25-Apr-07 5.797
25-Apr-07 25-May-07 5.845
25-May-07 25-Jun-07 5.889
25-Jun-07 25-Jul-07 5.909
25-Jul-07 25-Aug-07 5.954
25-Aug-07 25-Sep-07 5.999
25-Sep-07 25-Oct-07 6.024
25-Oct-07 25-Nov-07 6.060
25-Nov-07 25-Dec-07 6.098
25-Dec-07 25-Jan-08 6.148
25-Jan-08 25-Feb-08 6.183
25-Feb-08 25-Mar-08 6.216
25-Mar-08 25-Apr-08 6.248
25-Apr-08 25-May-08 6.274
25-May-08 25-Jun-08 6.311
25-Jun-08 25-Jul-08 6.363
25-Jul-08 25-Aug-08 6.391
25-Aug-08 25-Sep-08 6.428
25-Sep-08 25-Oct-08 6.476
25-Oct-08 25-Nov-08 6.509
25-Nov-08 25-Dec-08 6.545
25-Dec-08 25-Jan-09 6.603
25-Jan-09 25-Feb-09 6.635
25-Feb-09 25-Mar-09 6.663
25-Mar-09 25-Apr-09 6.697
25-Apr-09 25-May-09 6.722
25-May-09 25-Jun-09 6.751
25-Jun-09 25-Jul-09 6.786
25-Jul-09 25-Aug-09 6.813
25-Aug-09 Termination Date 6.842
Floating Amount: To be determined in accordance with the following
formula: Greater of
(1) Calculation Amount * Floating Rate Day Count
Fraction * (Floating Rate Option - Cap Rate per
Schedule A) and
(2) 0
Floating Rate Option: USD-LIBOR-BBA, provided however, that if the Floating
Rate Option for any Calculation Period is greater
than the Cap Rate stated in Cap Rate Schedule B
below, the Floating Rate Option for such Calculation
Period shall be deemed equal to the Cap Rate stated
in Cap Rate Schedule B below
--------------------------------------------------------------------------------
CAP RATE SCHEDULE B
PERIOD FROM PERIOD TO CAP RATE
--------------------------------------------------------------------------------
Effective Date 25-Apr-06 5.250
25-Apr-06 25-May-06 5.250
25-May-06 25-Jun-06 5.500
25-Jun-06 25-Jul-06 5.500
25-Jul-06 25-Aug-06 5.750
25-Aug-06 25-Sep-06 6.000
25-Sep-06 25-Oct-06 6.000
25-Oct-06 25-Nov-06 6.250
25-Nov-06 25-Dec-06 6.250
25-Dec-06 25-Jan-07 6.500
25-Jan-07 25-Feb-07 6.500
25-Feb-07 25-Mar-07 6.750
25-Mar-07 25-Apr-07 6.750
25-Apr-07 25-May-07 6.750
25-May-07 25-Jun-07 7.000
25-Jun-07 25-Jul-07 7.000
25-Jul-07 25-Aug-07 7.000
25-Aug-07 25-Sep-07 7.250
25-Sep-07 25-Oct-07 7.250
25-Oct-07 25-Nov-07 7.250
25-Nov-07 25-Dec-07 7.500
25-Dec-07 25-Jan-08 7.500
25-Jan-08 25-Feb-08 7.500
25-Feb-08 25-Mar-08 7.750
25-Mar-08 25-Apr-08 7.750
25-Apr-08 25-May-08 7.750
25-May-08 25-Jun-08 8.000
25-Jun-08 25-Jul-08 8.000
25-Jul-08 25-Aug-08 8.000
25-Aug-08 25-Sep-08 8.000
25-Sep-08 25-Oct-08 8.250
25-Oct-08 25-Nov-08 8.250
25-Nov-08 25-Dec-08 8.250
25-Dec-08 25-Jan-09 8.250
25-Jan-09 25-Feb-09 8.500
25-Feb-09 25-Mar-09 8.500
25-Mar-09 25-Apr-09 8.500
25-Apr-09 25-May-09 8.500
25-May-09 25-Jun-09 8.500
25-Jun-09 25-Jul-09 8.500
25-Jul-09 25-Aug-09 8.500
25-Aug-09 Termination Date 8.500
Designated Maturity: One Month
Spread: None
Floating Rate Day Count Actual/360
Fraction:
Floating Rate Payer 25 January, 25 February, 25 March, 25 April, 25 May,
End Dates: 25 June, 25 July, 25 August, 25 September, 25
October, 25 November and 25 December, in each year,
from and including 25 April 2006, up to and including
the Termination Date, subject to adjustment in
accordance with the Business Day Convention specified
immediately below.
Floating Rate Payer Early Payment shall be applicable. The Floating Rate
Payment Dates: Payer Payment Dates shall be two Business Days prior
to each Floating Rate Payer Period End Date.
Business Day Convention: Modified Following
RELATIONSHIP BETWEEN PARTIES
Each party will be deemed to represent to the other party on the date on which
it enters into this Transaction that (in the absence of a written Agreement
between the parties which expressly imposes affirmative obligations to the
contrary for this Transaction):
(a) Non-Reliance. UBS AG is acting for its own account, and has made its own
independent decision to enter into this Transaction. The Counterparty is acting
on behalf of the Trust and has been instructed to enter into this Transaction,
and this such Transaction is appropriate or proper for it based upon its own
judgement and upon advice from such advisers as it has deemed necessary. Each
party is not relying on any communication (written or oral) of the other party
as investment advice or as a recommendation to enter into this Transaction; it
being understood that information and explanation relating to the terms and
conditions of this Transaction shall not be considered investment advice or a
recommendation to enter into this Transaction. No communication (written or
oral) received from the other party shall be deemed to be an assurance or
guarantee as to the expected results of this Transaction.
(b) Assessment and Understanding. Each party is capable of assessing the merits
of and understands (on its own behalf or through independent professional
advice), and accepts, the terms, conditions and risks of this Transaction. Each
party is also capable of assuming and assumes, the risks of this Transaction.
(c) Status of the Parties. Neither party is acting as a fiduciary for or as an
adviser to the other in respect of this Transaction.
(d) ELIGIBLE CONTRACT PARTICIPANT. Each party constitutes an "eligible contract
participant" as such term is defined in Section 1(a)12 of the Commodity Exchange
Act, as amended.
References in this clause to "a party" shall, in the case of UBS AG and where
the context so allows, include references to any affiliate of UBS AG.
ACCOUNT DETAILS FOR UBS AG:
Currency: USD
Correspondent Bank: UBS AG, ▇▇▇▇▇▇▇▇ BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Favour: UBS AG LONDON BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Account No: 101-wa-140007-000
Further Credit To:
Swift Address:
Account No:
OFFICES
(a) The office of UBS AG for the Interest Rate Cap Transaction is London; and
(b) The office of Counterparty for the Interest Rate Cap Transaction is London
CONTACT NAMES AT UBS AG:
Pre Value Payments: Pre Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Post Value Payments: Post Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Confirmation Queries: Confirmation Control: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
ISDA Documentation: Credit Risk Management: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Swift: UBSWGB2L
Fax: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇/2990
Address: UBS AG
▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇
Please confirm that the foregoing correctly sets forth the terms and conditions
of our agreement by executing a copy of this Confirmation and returning it to us
or by sending to us a letter or facsimile substantially similar to this letter,
which letter or facsimile sets forth the material terms of the Transaction to
which this Confirmation relates and indicates your agreement to those terms or
by sending to us a return letter or facsimile in the form attached.
This Agreement may be executed in several counterparts, each of which shall be
deemed an original but all of which together shall constitute one and the same
instrument.
Yours Faithfully
For and on Behalf of
UBS AG, London Branch
By: By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇ Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
Title: Director Title: Associate Director
Acknowledged and Agreed by UBS Real Estate Securities, Inc. as of the date
first written above:
By:
Name :
Title :
UBS AG London Branch, ▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇ UBS AG is a member of
the London Stock Exchange and is regulated in the UK by the Financial Services
Authority.
Representatives of UBS Limited introduce trades to UBS AG via UBS Limited.
ATTACHMENT 2
[UBS LOGO]
Date: 27 February 2006
To: ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely
as trustee on behalf of the Supplemental Interest
Trust for the MASTR Asset Backed Securities Trust
2006-HE1, Mortgage Pass Through Certificates, Series
2006-HE1 ("Counterparty")
Attention: Swaps Administration
From: UBS AG, London Branch ("UBS AG")
Subject: Interest Rate Cap Transaction
UBS AG REF: 37302517
Dear Sirs
The purpose of this communication is to confirm the terms and conditions of the
Transaction entered into between us on the Trade Date specified below. This
Confirmation constitutes a "Confirmation" as referred to in the Master Agreement
or Agreement specified below.
The definitions contained in the 2000 ISDA Definitions as published by the
International Swaps and Derivatives Association, Inc., are incorporated into
this Confirmation. In the event of any inconsistency between any of the
definitions listed above and this Confirmation, this Confirmation will govern.
This Confirmation supplements, forms part of, and is subject to, the ISDA Master
Agreement dated as of 27 February 2006 as amended and supplemented from time to
time (the "Agreement"), between Counterparty and UBS AG. All provisions
contained in the Agreement govern this Confirmation except as expressly modified
below.
The terms of the particular Cap Transaction to which this Confirmation relates
are as follows:
GENERAL TERMS
Trade Date: 27 February 2006
Effective Date March 25, 2006
Termination Date: 25 September 2009, subject to adjustment in
accordance with the Modified Following Business
Day Convention.
Calculation Amount: Initially 10,584.00 amortizing as per Amortizing
Schedule below
--------------------------------------------------------------------------------
AMORTIZATION SCHEDULE:
PERIOD FROM PERIOD TO CALCULATION AMOUNT (USD)
--------------------------------------------------------------------------------
Effective Date 25-Apr-06 10,584
25-Apr-06 25-May-06 24,932
25-May-06 25-Jun-06 41,616
25-Jun-06 25-Jul-06 62,312
25-Jul-06 25-Aug-06 86,380
25-Aug-06 25-Sep-06 111,948
25-Sep-06 25-Oct-06 140,080
25-Oct-06 25-Nov-06 166,056
25-Nov-06 25-Dec-06 192,120
25-Dec-06 25-Jan-07 213,736
25-Jan-07 25-Feb-07 232,460
25-Feb-07 25-Mar-07 231,872
25-Mar-07 25-Apr-07 246,560
25-Apr-07 25-May-07 258,560
25-May-07 25-Jun-07 261,660
25-Jun-07 25-Jul-07 255,416
25-Jul-07 25-Aug-07 231,396
25-Aug-07 25-Sep-07 192,152
25-Sep-07 25-Oct-07 193,836
25-Oct-07 25-Nov-07 233,680
25-Nov-07 25-Dec-07 265,856
25-Dec-07 25-Jan-08 290,836
25-Jan-08 25-Feb-08 307,544
25-Feb-08 25-Mar-08 288,304
25-Mar-08 25-Apr-08 276,892
25-Apr-08 25-May-08 267,324
25-May-08 25-Jun-08 261,136
25-Jun-08 25-Jul-08 266,140
25-Jul-08 25-Aug-08 270,348
25-Aug-08 25-Sep-08 220,028
25-Sep-08 25-Oct-08 330,276
25-Oct-08 25-Nov-08 328,700
25-Nov-08 25-Dec-08 537,340
25-Dec-08 25-Jan-09 521,536
25-Jan-09 25-Feb-09 506,096
25-Feb-09 25-Mar-09 448,968
25-Mar-09 25-Apr-09 436,492
25-Apr-09 25-May-09 424,768
25-May-09 25-Jun-09 413,436
25-Jun-09 25-Jul-09 402,476
25-Jul-09 25-Aug-09 391,872
25-Aug-09 Termination Date 340,232
The dates in the above schedule with the exception of the Effective Date will be
subject to adjustment in accordance with the Modified Following Business Day
Convention.
Seller of the Cap: UBS AG
Buyer of the Cap: Counterparty
Calculation Agent: UBS AG, unless otherwise specified in the
schedule to the Master Agreement
Business Days: New York
Broker: None
FIXED AMOUNTS
Fixed Rate Payer: Counterparty
Fixed Amount: Not Applicable
Fixed Rate Payer
Payment Date: Not Applicable
Business Day Convention: Not Applicable
FLOATING AMOUNTS
Floating Rate Payer: UBS AG
Cap Rate: As per Cap Rate Schedule A below
--------------------------------------------------------------------------------
CAP RATE SCHEDULE A
PERIOD FROM PERIOD TO CAP RATE
--------------------------------------------------------------------------------
Effective Date 25-Apr-06 4.908
25-Apr-06 25-May-06 5.064
25-May-06 25-Jun-06 5.214
25-Jun-06 25-Jul-06 5.292
25-Jul-06 25-Aug-06 5.435
25-Aug-06 25-Sep-06 5.558
25-Sep-06 25-Oct-06 5.546
25-Oct-06 25-Nov-06 5.648
25-Nov-06 25-Dec-06 5.730
25-Dec-06 25-Jan-07 5.701
25-Jan-07 25-Feb-07 5.771
25-Feb-07 25-Mar-07 5.824
25-Mar-07 25-Apr-07 5.797
25-Apr-07 25-May-07 5.845
25-May-07 25-Jun-07 5.889
25-Jun-07 25-Jul-07 5.909
25-Jul-07 25-Aug-07 5.954
25-Aug-07 25-Sep-07 5.999
25-Sep-07 25-Oct-07 6.024
25-Oct-07 25-Nov-07 6.060
25-Nov-07 25-Dec-07 6.098
25-Dec-07 25-Jan-08 6.148
25-Jan-08 25-Feb-08 6.183
25-Feb-08 25-Mar-08 6.216
25-Mar-08 25-Apr-08 6.248
25-Apr-08 25-May-08 6.274
25-May-08 25-Jun-08 6.311
25-Jun-08 25-Jul-08 6.363
25-Jul-08 25-Aug-08 6.391
25-Aug-08 25-Sep-08 6.428
25-Sep-08 25-Oct-08 6.476
25-Oct-08 25-Nov-08 6.509
25-Nov-08 25-Dec-08 6.545
25-Dec-08 25-Jan-09 6.603
25-Jan-09 25-Feb-09 6.635
25-Feb-09 25-Mar-09 6.663
25-Mar-09 25-Apr-09 6.697
25-Apr-09 25-May-09 6.722
25-May-09 25-Jun-09 6.751
25-Jun-09 25-Jul-09 6.786
25-Jul-09 25-Aug-09 6.813
25-Aug-09 Termination Date 6.842
Floating Amount: To be determined in accordance with the following
formula:
Greater of
(1) 250 * Calculation Amount * Floating Rate Day
Count Fraction * (Floating Rate Option - Cap Rate per
Schedule A) and
(2) 0
Floating Rate Option: USD-LIBOR-BBA, provided however, that if the Floating
Rate Option for any Calculation Period is greater
than the Cap Rate stated in Cap Rate Schedule B
below, the Floating Rate Option for such Calculation
Period shall be deemed equal to the Cap Rate stated
in Cap Rate Schedule B below
--------------------------------------------------------------------------------
CAP RATE SCHEDULE B
PERIOD FROM PERIOD TO CAP RATE
--------------------------------------------------------------------------------
Effective Date 25-Apr-06 5.250
25-Apr-06 25-May-06 5.250
25-May-06 25-Jun-06 5.500
25-Jun-06 25-Jul-06 5.500
25-Jul-06 25-Aug-06 5.750
25-Aug-06 25-Sep-06 6.000
25-Sep-06 25-Oct-06 6.000
25-Oct-06 25-Nov-06 6.250
25-Nov-06 25-Dec-06 6.250
25-Dec-06 25-Jan-07 6.500
25-Jan-07 25-Feb-07 6.500
25-Feb-07 25-Mar-07 6.750
25-Mar-07 25-Apr-07 6.750
25-Apr-07 25-May-07 6.750
25-May-07 25-Jun-07 7.000
25-Jun-07 25-Jul-07 7.000
25-Jul-07 25-Aug-07 7.000
25-Aug-07 25-Sep-07 7.250
25-Sep-07 25-Oct-07 7.250
25-Oct-07 25-Nov-07 7.250
25-Nov-07 25-Dec-07 7.500
25-Dec-07 25-Jan-08 7.500
25-Jan-08 25-Feb-08 7.500
25-Feb-08 25-Mar-08 7.750
25-Mar-08 25-Apr-08 7.750
25-Apr-08 25-May-08 7.750
25-May-08 25-Jun-08 8.000
25-Jun-08 25-Jul-08 8.000
25-Jul-08 25-Aug-08 8.000
25-Aug-08 25-Sep-08 8.000
25-Sep-08 25-Oct-08 8.250
25-Oct-08 25-Nov-08 8.250
25-Nov-08 25-Dec-08 8.250
25-Dec-08 25-Jan-09 8.250
25-Jan-09 25-Feb-09 8.500
25-Feb-09 25-Mar-09 8.500
25-Mar-09 25-Apr-09 8.500
25-Apr-09 25-May-09 8.500
25-May-09 25-Jun-09 8.500
25-Jun-09 25-Jul-09 8.500
25-Jul-09 25-Aug-09 8.500
25-Aug-09 Termination Date 8.500
Designated Maturity: One Month
Spread: None
Floating Rate Day Count Actual/360
Fraction:
Floating Rate 25 January, 25 February, 25 March, 25 April, 25 May,
Payer End Dates: 25 June, 25 July, 25 August, 25 September, 25
October, 25 November and 25 December, in each year,
from and including 25 April 2006, up to and including
the Termination Date, subject to adjustment in
accordance with the Business Day Convention specified
immediately below.
Floating Rate Payer Early Payment shall be applicable. The Floating Rate
Payment Dates: Payer Payment Dates shall be two Business Days prior
to each Floating Rate Payer Period End Date.
Business Day Convention: Modified Following
RELATIONSHIP BETWEEN PARTIES
Each party will be deemed to represent to the other party on the date on which
it enters into this Transaction that (in the absence of a written Agreement
between the parties which expressly imposes affirmative obligations to the
contrary for this Transaction):
(a) Non-Reliance. Each party is acting for its own account, and has made its own
independent decisions to enter into this Transaction and this such Transaction
is appropriate or proper for it based upon its own judgement and upon advice
from such advisers as it has deemed necessary. Each party is not relying on any
communication (written or oral) of the other party as investment advice or as a
recommendation to enter into this Transaction; it being understood that
information and explanation relating to the terms and conditions of this
Transaction shall not be considered investment advice or a recommendation to
enter into this Transaction. No communication (written or oral) received from
the other party shall be deemed to be an assurance or guarantee as to the
expected results of this Transaction..
(b) Assessment and Understanding. Each party is capable of assessing the merits
of and understands (on its own behalf or through independent professional
advice), and accepts, the terms, conditions and risks of this Transaction. Each
party is also capable of assuming and assumes, the risks of this Transaction.
(c) Status of the Parties. Neither party is acting as a fiduciary for or as an
adviser to the other in respect of this Transaction.
(d) ELIGIBLE CONTRACT PARTICIPANT. Each party constitutes an "eligible contract
participant" as such term is defined in Section 1(a)12 of the Commodity Exchange
Act, as amended.
References in this clause to "a party" shall, in the case of UBS AG and where
the context so allows, include references to any affiliate of UBS AG.
ACCOUNT DETAILS FOR UBS AG:
Currency: USD
Correspondent Bank: UBS AG, ▇▇▇▇▇▇▇▇ BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Favour: UBS AG LONDON BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Account No: 101-wa-140007-000
Further Credit To:
Swift Address:
Account No:
OFFICES
(c) The office of UBS AG for the Interest Rate Cap Transaction is London; and
(d) The office of Counterparty for the Interest Rate Cap Transaction is New
York
CONTACT NAMES AT UBS AG:
Pre Value Payments: Pre Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Post Value Payments: Post Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Confirmation Queries: Confirmation Control: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
ISDA Documentation: Credit Risk Management: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Swift: UBSWGB2L
Fax: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇/2990
Address: UBS AG
▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇
Contact Info:
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇
Attn: Client Manager MABS 2006-HE1, or
(p) 410.884.2000
(f) 410.715.2380
Wiring Instructions:
▇▇▇▇▇ Fargo Bank, NA
San Francisco, CA
ABA #: ▇▇▇-▇▇▇-▇▇▇
Acct #: ▇▇▇▇▇▇▇▇▇▇
Acct Name: SAS Clearing
For Further Credit: Account # ▇▇▇▇▇▇▇▇
Please confirm that the foregoing correctly sets forth the terms and conditions
of our agreement by executing a copy of this Confirmation and returning it to us
or by sending to us a letter or facsimile substantially similar to this letter,
which letter or facsimile sets forth the material terms of the Transaction to
which this Confirmation relates and indicates your agreement to those terms or
by sending to us a return letter or facsimile in the form attached.
This Agreement may be executed in several counterparts, each of which shall be
deemed an original but all of which together shall constitute one and the same
instrument.
Yours Faithfully
For and on Behalf of
UBS AG, London Branch
By: By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇ Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
Title: Director Title: Associate Director
Acknowledged and Agreed by ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely
as trustee on behalf of the Supplemental Interest Trust for the MASTR Asset
Backed Securities Trust 2006-HE1, Mortgage Pass Through Certificates, Series
2006-HE1 as of the date first written above:
By:
Name :
Title :
UBS AG London Branch, ▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇ UBS AG is a member of
the London Stock Exchange and is regulated in the UK by the Financial Services
Authority.
Representatives of UBS Limited introduce trades to UBS AG via UBS Limited.
EXHIBIT L
ANNUAL STATEMENT OF COMPLIANCE PURSUANT TO SECTION 3.20
MASTR ASSET BACKED SECURITIES TRUST 2006-HE1,
MORTGAGE PASS-THROUGH CERTIFICATES
I, _____________________, hereby certify that I am a duly appointed
__________________________ of [PARTY], and further certify as follows:
1. This certification is being made pursuant to the terms of the
Pooling and Servicing Agreement, dated as of February 1, 2006, among Mortgage
Asset Securitization Transactions, Inc., ▇▇▇▇▇ Fargo Bank, N.A., JPMorgan Chase
Bank, National Association and U.S. Bank National Association (the "Agreement").
2. The undersigned officer of the [PARTY] hereby certifies that (i)
a review of the activities of the [PARTY] during the preceding calendar year and
of performance under the Agreement has been made under such officers'
supervision and (ii) to the best of such officers' knowledge, based on such
review, the [PARTY] has fulfilled all of its obligations under the Agreement in
all material respects throughout such year.
Capitalized terms not otherwise defined herein have the meanings set
forth in the Agreements.
Dated: _____________, 2006
IN WITNESS WHEREOF, the undersigned has executed this Certificate
as of _____________.
By:
--------------------------------
Name:
Title:
I, _________________________, a (an) __________________ of the
Servicer, hereby certify that _________________ is a duly elected, qualified,
and acting _______________________ of the Servicer and that the signature
appearing above is his/her genuine signature.
IN WITNESS WHEREOF, the undersigned has executed this Certificate
as of ______________.
By:
--------------------------------
Name:
Title:
EXHIBIT M
FORMS OF INTEREST RATE SWAP AGREEMENT
[BEAR ▇▇▇▇▇▇▇ LETTERHEAD]
BEAR ▇▇▇▇▇▇▇ FINANCIAL PRODUCTS INC.
▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇
▇▇▇-▇▇▇-▇▇▇▇
DATE: February 27, 2006
TO: ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely
as Trustee on behalf of the Supplemental Interest
Trust for the MASTR Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through Certificates, Series
2006-HE1
ATTENTION: Client Manager-MABS 2006-HE1
TELEPHONE: 410-884-2000
FACSIMILE: ▇▇▇-▇▇▇-▇▇▇▇
FROM: Derivatives Documentation
TELEPHONE: ▇▇▇-▇▇▇-▇▇▇▇
FACSIMILE: ▇▇▇-▇▇▇-▇▇▇▇
SUBJECT: Fixed Income Derivatives Confirmation and Agreement
REFERENCE NUMBER: FXNSC7923
The purpose of this letter agreement ("Agreement") is to confirm the terms and
conditions of the current Transaction entered into on the Trade Date specified
below (the "Current Transaction") between Bear ▇▇▇▇▇▇▇ Financial Products Inc.
("BSFP") and ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely as Trustee on
behalf of the Supplemental Interest Trust for MASTR Asset Backed Securities
Trust 2006-HE1, Mortgage Pass-Through Certificates, Series 2006-HE1
("Counterparty") under the Pooling and Servicing Agreement, dated as of February
1, 2006, among ▇▇▇▇▇ Fargo Bank, N.A. and JPMorgan Chase Bank, National
Association, as Servicers, ▇▇▇▇▇ Fargo Bank, N.A., as Master Servicer and Trust
Administrator, Mortgage Asset Securitization Transactions, Inc., as Depositor
and U.S. Bank National Association, as Trustee (the "Trustee") (the "Pooling and
Servicing Agreement"). This letter agreement constitutes the sole and complete
"Confirmation," as referred to in the "ISDA Form Master Agreement" (as defined
below), as well as a "Schedule" as referred to in the ISDA Form Master
Agreement.
1. This Agreement is subject to the 2000 ISDA DEFINITIONS (the
"Definitions"), as published by the International Swaps and Derivatives
Association, Inc. ("ISDA"). You and we have agreed to enter into this Agreement
in lieu of negotiating a Schedule to the 1992 ISDA Master Agreement
(Multicurrency--Cross Border) form (the "ISDA Form Master Agreement") but,
rather, an ISDA Form Master Agreement shall be deemed to have been executed by
you and us on the date we entered into the Transaction. In the event of any
inconsistency between the provisions of this Agreement and the Definitions or
the ISDA Form Master Agreement, this Agreement shall prevail for purposes of the
Transaction. Terms capitalized but not defined herein shall have the meanings
attributed to them in the Pooling and Servicing Agreement.
2. The terms of the particular Transaction to which this Confirmation
relates are as follows:
Notional Amount: With respect to any Calculation Period, the
amount set forth for such period in Schedule
I.
Trade Date: February 23, 2006
Effective Date: February 27, 2006
Termination Date: September 25, 2009, provided, however, for
the purposes of determining the Floating
Amount to be paid in respect of the final
Calculation Period, such date shall be
subject to adjustment in accordance with the
Business Day Convention.
FIXED AMOUNT (PREMIUM):
Fixed Rate Payer: Counterparty
Fixed Rate Payer
Period End Dates: The 25th calendar day of each month during
the Term of this Transaction, commencing
March 25, 2006, and ending on the
Termination Date, with No Adjustment.
Fixed Rate Payer
Payment Dates: Early Payment shall be applicable. The Fixed
Rate Payer Payment Date shall be two
Business Days prior to each Fixed Rate Payer
Period End Date.
Fixed Rate: 4.64400%
Fixed Amount: To be determined in accordance with the
following Formula:
250*Fixed Rate*Notional Amount*Fixed Rate
Day Count Fraction
Fixed Rate Day
Count Fraction: 30/360
FLOATING AMOUNTS:
Floating Rate Payer: BSFP
Floating Rate Payer
Period End Dates: The 25th calendar day of each month during
the Term of this Transaction, commencing
March 25, 2006, and ending on the
Termination Date, subject to adjustment in
accordance with the Business Day Convention.
Floating Rate Payer
Payment Dates: Early Payment shall be applicable. The
Floating Rate Payer Payment Date shall be
two Business Days prior to each Floating
Rate Payer Period End Date.
Floating Rate for initial
Calculation Period: To be determined.
Floating Rate Option: USD-LIBOR-BBA
Floating Amount: To be determined in accordance with the
following Formula:
250*Floating Rate Option*Notional
Amount*Floating Rate Day Count Fraction
Designated Maturity: One month
Spread: None
Floating Rate Day
Count Fraction: Actual/360
Reset Dates: The first day of each Calculation Period.
Compounding: Inapplicable
Business Days: New York
Business Day Convention: Following
Additional Amount: In connection with entering into this
Transaction USD 73,000 is payable by
Counterparty to BSFP on February 27, 2006.
3. Additional Provisions: Each party hereto is hereby advised and
acknowledges that the other party has
engaged in (or refrained from engaging in)
substantial financial transactions and has
taken (or refrained from taking) other
material actions in reliance upon the entry
by the parties into the Transaction being
entered into on the terms and conditions set
forth herein and in the Confirmation
relating to such Transaction, as applicable.
This paragraph shall be deemed repeated on
the trade date of each Transaction.
4. Provisions Deemed Incorporated in a Schedule to the ISDA Form Master
Agreement:
1) The parties agree that subparagraph (ii) of Section 2(c) of the ISDA Form
Master Agreement will apply to any Transaction.
2) TERMINATION PROVISIONS. Notwithstanding the provisions of paragraph 9 below,
for purposes of the ISDA Form Master Agreement:
(a) "Specified Entity" is not applicable to BSFP or Counterparty for any
purpose.
(b) "Breach of Agreement" provision of Section 5(a)(ii) will not apply to BSFP
or Counterparty.
(c) "Credit Support Default" provisions of Section 5(a)(iii) will not apply to
Counterparty and will not apply to BSFP unless BSFP has obtained a
guarantee or posted collateral pursuant to paragraph 16 below.
(d) "Misrepresentation" provisions or Section 5(a)(iv) will not apply to BSFP
or Counterparty.
(e) "Specified Transaction" is not applicable to BSFP or Counterparty for any
purpose, and, accordingly, Section 5(a)(v) shall not apply to BSFP or
Counterparty.
(f) The "Cross Default" provisions of Section 5(a)(vi) will not apply to BSFP
or to Counterparty.
(g) The "Credit Event Upon Merger" provisions of Section 5(b)(iv) will not
apply to BSFP or Counterparty.
(h) The "Bankruptcy" provision of Section 5(a)(vii)(2) will be inapplicable to
Counterparty.
(i) The "Automatic Early Termination" provision of Section 6(a) will not apply
to BSFP or to Counterparty.
(j) Payments on Early Termination. For the purpose of Section 6(e):
(i) Market Quotation will apply.
(ii) The Second Method will apply.
(k) "Termination Currency" means United States Dollars.
3) Tax Representations.
(a) Payer Representations. For the purpose of Section 3(e) of the ISDA
Form Master Agreement, each of BSFP and the Counterparty will make the
following representations:
It is not required by any applicable law, as modified by the practice of
any relevant governmental revenue authority, of any Relevant Jurisdiction
to make any deduction or withholding for or on account of any Tax from any
payment (other than interest under Section 2(e), 6(d)(ii) or 6(e) of the
ISDA Form Master Agreement) to be made by it to the other party under this
Agreement. In making this representation, it may rely on:
(i) the accuracy of any representations made by the other party
pursuant to Section 3(f) of this Agreement;
(ii) the satisfaction of the agreement contained in Section
4(a)(iii) of the ISDA Form Master Agreement and the accuracy and
effectiveness of any document provided by the other party pursuant
to Section 4(a)(iii) of the ISDA Form Master Agreement; and
(iii) the satisfaction of the agreement of the other party contained
in Section 4(d) of this Agreement, provided that it shall not be a
breach of this representation where reliance is placed on clause
(ii) and the other party does not deliver a form or document under
Section 4(a)(iii) by reason of material prejudice to its legal or
commercial position.
(b) Payee Representations. For the purpose of Section 3(f) of the ISDA
Form Master Agreement, each of BSFP and the Counterparty make the
following representations.
The following representation will apply to BSFP:
BSFP is a corporation organized under the laws of the State of Delaware
and its U.S. taxpayer identification number is ▇▇-▇▇▇▇▇▇▇.
The following representation will apply to the Counterparty:
Counterparty represents that it is the Trustee on behalf of the
Supplemental Interest Trust under the Pooling and Servicing Agreement.
4) [Reserved]
5) DOCUMENTS TO BE DELIVERED. For the purpose of Section 4(a):
(1) Tax forms, documents, or certificates to be delivered are:
Form/Document/ Date by which to
PARTY REQUIRED TO DELIVER DOCUMENT Certificate be delivered
---------------------------------- ---------------------------------- ----------------------------------
BSFP and Any document required or Promptly after the earlier
the Counterparty reasonably requested to of (i) reasonable demand by
allow the other party to either party or (ii)
make payments under this learning that such form or
Agreement without any document is required
deduction or withholding
for or on the account of
any Tax or with such
deduction or withholding at
a reduced rate
(2) Other documents to be delivered are:
PARTY REQUIRED TO DELIVER Form/Document/ Date by which to Covered by Section 3(d)
DOCUMENT Certificate be delivered Representation
------------------------- ------------------------- ------------------------- -------------------------
BSFP and Any documents required by
the Counterparty the receiving party to Upon the execution and delivery Yes
evidence the authority of of this Agreement and such
the delivering party or its Confirmation
Credit Support Provider, if
any, for it to execute and
deliver this Agreement, any
Confirmation , and any
Credit Support Documents to
which it is a party, and to
evidence the authority of
the delivering party or its
Credit Support Provider to
perform its obligations
under this Agreement, such
Confirmation and/or Credit
Support Document, as the
case may be
BSFP and A certificate of an Upon the execution and delivery Yes
the Counterparty authorized officer of the of this Agreement and such
party, as to the incumbency Confirmation
and authority of the
respective officers of the
party signing this
Agreement, any relevant
Credit Support Document, or
any Confirmation, as the
case may be
6) MISCELLANEOUS. Miscellaneous
(a) Address for Notices: For the purposes of Section 12(a) of the ISDA Form
Master Agreement:
Address for notices or communications to BSFP:
Address: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇
Attention: DPC Manager
Facsimile: (▇▇▇) ▇▇▇-▇▇▇▇
with a copy to:
Address: ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇
Attention: Derivative Operations - 7th Floor
Facsimile: (▇▇▇) ▇▇▇-▇▇▇▇
(For all purposes)
Address for notices or communications to the Counterparty:
Address: ▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
Attention: Client Manager - MABS 2006-HE1
Facsimile: ▇▇▇-▇▇▇-▇▇▇▇
Phone: ▇▇▇-▇▇▇-▇▇▇▇
(For all purposes)
(b) Process Agent. For the purpose of Section 13(c) of the ISDA Form Master
Agreement:
BSFP appoints as its
Process Agent: Not Applicable
The Counterparty appoints as its
Process Agent: Not Applicable
(c) Offices. The provisions of Section 10(a) of the ISDA Form Master Agreement
will not apply to this Agreement; neither BSFP nor the Counterparty have any
Offices other than as set forth in the Notices Section and BSFP agrees that, for
purposes of Section 6(b) of the ISDA Form Master Agreement, it shall not in
future have any Office other than one in the United States.
(d) Multibranch Party. For the purpose of Section 10(c) of the ISDA Form
Master Agreement:
BSFP is not a Multibranch Party.
The Counterparty is not a Multibranch Party.
(e) Calculation Agent. The Calculation Agent is BSFP.
(f) Credit Support Document.
BSFP: Not applicable, except for any guarantee or contingent agreement
delivered pursuant to paragraph 16 below.
The Counterparty: Not Applicable
(g) Credit Support Provider.
BSFP: Not Applicable for BSFP for so long as no Credit Support Document is
delivered under paragraph 16 below, otherwise, the party that is the
primary obligor under the Credit Support Document.
The Counterparty: Not Applicable
(h) Governing Law. The parties to this Agreement hereby agree that the law of
the State of New York shall govern their rights and duties in whole without
regard to the conflict of law provisions thereof other than New York General
Obligations Law Sections 5-1401 and 5-1402.
(i) Severability. If any term, provision, covenant, or condition of this
Agreement, or the application thereof to any party or circumstance, shall be
held to be invalid or unenforceable (in whole or in part) for any reason, the
remaining terms, provisions, covenants, and conditions hereof shall continue in
full force and effect as if this Agreement had been executed with the invalid or
unenforceable portion eliminated, so long as this Agreement as so modified
continues to express, without material change, the original intentions of the
parties as to the subject matter of this Agreement and the deletion of such
portion of this Agreement will not substantially impair the respective benefits
or expectations of the parties.
The parties shall endeavor to engage in good faith negotiations to replace any
invalid or unenforceable term, provision, covenant or condition with a valid or
enforceable term, provision, covenant or condition, the economic effect of which
comes as close as possible to that of the invalid or unenforceable term,
provision, covenant or condition.
(j) Consent to Recording. Each party hereto consents to the monitoring or
recording, at any time and from time to time, by the other party of any and all
communications between officers or employees of the parties, waives any further
notice of such monitoring or recording, and agrees to notify its officers and
employees of such monitoring or recording.
(k) Waiver of Jury Trial. Each party waives any right it may have to a trial by
jury in respect of any Proceedings relating to this Agreement or any Credit
Support Document.
7) "Affiliate". Each of BSFP and Counterparty shall be deemed to not have any
Affiliates for purposes of this Agreement, including for purposes of Section
6(b)(ii) of the ISDA Form Master Agreement.
8) Section 3 of the ISDA Form Master Agreement is hereby amended by adding at
the end thereof the following subsection (g):
"(g) RELATIONSHIP BETWEEN PARTIES.
Each party represents to the other party on each date when it
enters into a Transaction that:--
(1) NONRELIANCE. It is not relying on any statement or
representation of the other party regarding the Transaction (whether
written or oral), other than the representations expressly made in
this Agreement or the Confirmation in respect of that Transaction.
(2) EVALUATION AND UNDERSTANDING.
(i) BSFP is acting for its own account and ▇▇▇▇▇ Fargo Bank,
N.A., is acting as Trustee on behalf of the Supplemental
Interest Trust under the Pooling and Servicing
Agreement, and not for its own account. Each Party has
made its own independent decisions to enter into this
Transaction and as to whether this Transaction is
appropriate or proper for it based upon its own judgment
and upon advice from such advisors as it has deemed
necessary. It is not relying on any communication
(written or oral) of the other party as investment
advice or as a recommendation to enter into this
Transaction; it being understood that information and
explanations related to the terms and conditions of this
Transaction shall not be considered investment advice or
a recommendation to enter into this Transaction. It has
not received from the other party any assurance or
guarantee as to the expected results of this
Transaction.
(ii) It is capable of evaluating and understanding (on its
own behalf or through independent professional advice),
and understands and accepts, the terms, conditions and
risks of this Transaction. It is also capable of
assuming, and assumes, the financial and other risks of
this Transaction.
(iii) The other party is not acting as an agent or fiduciary
or an advisor for it in respect of this Transaction.
(3) PURPOSE. It is an "eligible swap participant" as such term is
defined in Section 35.1(b)(2) of the regulations (17 C.F.R 35)
promulgated under, and an "eligible contract participant" as defined
in Section 1(a)(12) of, the Commodity Exchange Act, as amended, and
it is entering into the Transaction for the purposes of managing its
borrowings or investments, hedging its underlying assets or
liabilities or in connection with a line of business."
9) Pooling and Servicing Agreement. BSFP hereby agrees that, notwithstanding any
provision of this agreement to the contrary, Counterparty's obligations to pay
any amounts owing under this Agreement shall be subject to the Pooling and
Servicing Agreement and BSFPS's right to receive payment of such amounts shall
be subject to the Pooling and Servicing Agreement.
10) TRUSTEE CAPACITY. Supplemental Interest Trust Trustee Liability Limitations.
It is expressly understood and agreed by the parties hereto that (a) this
Agreement is executed and delivered by ▇▇▇▇▇ Fargo Bank, N.A. ("▇▇▇▇▇"), not
individually or personally but solely as trustee on behalf of the Supplemental
Interest Trust, (b) each of the representations, undertakings and agreements
herein made on the part of the Counterparty is made and intended not as personal
representations, undertakings and agreements by ▇▇▇▇▇ but is made and intended
for the purpose of binding only the Counterparty, (c) nothing herein contained
shall be construed as creating any liability on ▇▇▇▇▇, individually or
personally, to perform any covenant either expressed or implied contained
herein, all such liability, if any, being expressly waived by the parties hereto
and by any Person claiming by, through or under the parties hereto; provided
that nothing in this paragraph shall relieve ▇▇▇▇▇ from performing its duties
and obligations under the Pooling and Servicing Agreement in accordance with the
standard of care set forth therein, (d) under no circumstances shall ▇▇▇▇▇ be
personally liable for the payment of any indebtedness or expenses of the
Counterparty or be liable for the breach or failure of any obligation,
representation, warranty or covenant made or undertaken by the Counterparty
under this Agreement or any other related documents, other than due to its gross
negligence or willful misconduct in performing the obligations of the
Supplemental Interest Trust Trustee under the Pooling and Servicing Agreement,
(e) any resignation or removal of ▇▇▇▇▇ as trustee on behalf of the Supplemental
Interest Trust shall require the assignment of this agreement to ▇▇▇▇▇'▇
replacement, and (f) ▇▇▇▇▇ has been directed, pursuant to the Pooling and
Servicing Agreement, to enter into this Agreement and to perform its obligations
hereunder.
11) PROCEEDINGS. BSFP shall not institute against or cause any other person to
institute against, or join any other person in instituting against, Mortgage
Asset Securitization Transactions, Inc. or MASTR Asset Backed Securities Trust
2006-HE1, Mortgage Pass-Through Certificates, Series 2006-HE1, any bankruptcy,
reorganization, arrangement, insolvency or liquidation proceedings, or other
proceedings under any federal or state bankruptcy, dissolution or similar law,
for a period of one year and one day (or, if longer, the applicable preference
period) following indefeasible payment in full of the MASTR Asset Backed
Securities Trust 2006-HE1, Mortgage Pass-Through Certificates, Series 2006-HE1.
12) SET-OFF. Notwithstanding any provision of this Agreement or any other
existing or future agreement, each party irrevocably waives any and all rights
it may have to set off, net, recoup or otherwise withhold or suspend or
condition payment or performance of any obligation between it and the other
party hereunder against any obligation between it and the other party under any
other agreements. The provisions for Set-off set forth in Section 6(e) of the
Agreement shall not apply for purposes of this Transaction.
13) THIRD PARTY BENEFICIARY. Not Applicable.
14) ADDITIONAL TERMINATION EVENTS. The following Additional Termination Events
will apply:
(i) If a Rating Agency Downgrade has occurred and BSFP has not complied with
Section 16 below, then an Additional Termination Event shall have occurred with
respect to BSFP and BSFP shall be the sole Affected Party with respect to such
an Additional Termination Event.
(ii) If the Trustee is unable to pay its Class A Certificates or fails or admits
in writing its inability to pay its Class A Certificates as they become due,
then an Additional Termination Event shall have occurred with respect to
Counterparty and Counterparty shall be the sole Affected Party with respect to
such Additional Termination Event.
(iii) If, at any time, the Majority Class CE Certificateholder or the Master
Servicer purchases the Mortgage Loans pursuant to Section 9.01 of the Pooling
and Servicing Agreement, then an Additional Termination Event shall have
occurred with respect to Counterparty and Counterparty shall be the sole
Affected Party with respect to such Additional Termination Event; provided,
however, that notwithstanding the provisions of section 6(b)(iv) of the ISDA
Form Master Agreement, either BSFP or Counterparty may designate an Early
Termination Date (such date shall not be prior to the final Distribution Date
under the Pooling and Servicing Agreement) in respect of this Additional
Termination Event.
(iv) If, upon the occurrence of a Swap Disclosure Event (as defined in Section
17 below) BSFP has not, within ten (10) days after such Swap Disclosure Event
complied with any of the provisions set forth in Section 17 below, then an
Additional Termination Event shall have occurred with respect to BSFP and BSFP
shall be the sole Affected Party with respect to such Additional Termination
Event.
15) AMENDMENT TO THE ISDA FORM. The "FAILURE TO PAY OR DELIVER" provision in
Section 5(a)(i) is hereby amended by deleting the word "third" in the third line
thereof and inserting the word "second" in place thereof.
16) RATING AGENCY DOWNGRADE. In the event that BSFP's long-term unsecured and
unsubordinated debt rating is reduced below "AA-" by S&P or its long-term
unsecured and unsubordinated debt rating is withdrawn or reduced below "Aa3" by
▇▇▇▇▇'▇ (and together with S&P, the "Swap Rating Agencies", and such rating
thresholds, "Approved Rating Thresholds"), then within 30 days after such rating
withdrawal or downgrade (unless, within 30 days after such withdrawal or
downgrade, each such Swap Rating Agency, as applicable, has reconfirmed the
rating of the Certificates, which was in effect immediately prior to such
withdrawal or downgrade), BSFP shall, at its own expense, subject to the Rating
Agency Condition, either (i) seek another entity to replace BSFP as party to
this Agreement that meets or exceeds the Approved Rating Thresholds on terms
substantially similar to this Agreement or (ii) obtain a guaranty of, or a
contingent agreement of another person with the Approved Rating Thresholds, to
honor, BSFP's obligations under this Agreement. BSFP's failure to do any of the
foregoing shall, at the Counterparty's option, constitute an Additional
Termination Event with BSFP as the Affected Party. In the event that BSFP's
long-term unsecured and unsubordinated debt rating is withdrawn or reduced below
"BBB-" by S&P, then within 10 Business Days after such rating withdrawal or
downgrade, BSFP shall, subject to the Rating Agency Condition and at its own
expense, either (i) secure another entity to replace BSFP as party to this
Agreement that meets or exceeds the Approved Rating Thresholds on terms
substantially similar to this Agreement or (ii) obtain a guaranty of, or a
contingent agreement of another person with the Approved Rating Thresholds, to
honor, BSFP's obligations under this Agreement. For purposes of this provision,
"Rating Agency Condition" means, with respect to any particular proposed act or
omission to act hereunder that the party acting or failing to act must consult
with each of the Swap Rating Agencies then providing a rating of the
Certificates and receive from each of the Swap Rating Agencies a prior written
confirmation that the proposed action or inaction would not cause a downgrade or
withdrawal of the then-current rating of the Certificates.
17) COMPLIANCE WITH REGULATION AB.
(i) BSFP agrees and acknowledges that Mortgage Asset Securitization
Transactions, Inc. ("MASTR") is required under Regulation AB under the
Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as
amended (the "Exchange Act") ("Regulation AB"), to disclose certain financial
information regarding BSFP or its group of affiliated entities, if applicable,
depending on the aggregate "significance percentage" of this Agreement and any
other derivative contracts between BSFP or its group of affiliated entities, if
applicable, and Counterparty, as calculated from time to time in accordance with
Item 1115 of Regulation AB.
(ii) It shall be a swap disclosure event ("Swap Disclosure Event") if, on any
Business Day after the date hereof, MASTR requests from BSFP the applicable
financial information described in Item 1115 of Regulation AB (such request to
be based on a reasonable determination by MASTR, in good faith, that such
information is required under Regulation AB) (the "Swap Financial Disclosure").
(iii) Upon the occurrence of a Swap Disclosure Event, BSFP, at its own expense,
shall (a) provide to MASTR the Swap Financial Disclosure, (b) secure another
entity to replace BSFP as party to this Agreement on terms substantially similar
to this Agreement and subject to prior notification to the Swap Rating Agencies,
which entity (or a guarantor therefor) meets or exceeds the Approved Rating
Thresholds and which satisfies the Rating Agency Condition and which entity is
able to comply with the requirements of Item 1115 of Regulation AB or (c) obtain
a guaranty of BSFP's obligations under this Agreement from an affiliate of BSFP,
which satisfies the Rating Agency Condition, that is able to comply with the
financial information disclosure requirements of Item 1115 of Regulation AB,
such that disclosure provided in respect of the affiliate will satisfy any
disclosure requirements applicable to the Swap Provider, and cause such
affiliate to provide Swap Financial Disclosure. If permitted by Regulation AB,
any required Swap Financial Disclosure may be provided by incorporation by
reference from reports filed pursuant to the Exchange Act.
(iv) BSFP agrees that, in the event that BSFP provides Swap Financial Disclosure
to MASTR in accordance with clause (iii)(a) of paragraph 17 or causes its
affiliate to provide Swap Financial Disclosure to MASTR in accordance with
clause (iii)(c) of paragraph 17, it will indemnify and hold harmless MASTR, its
respective directors or officers and any person controlling MASTR, from and
against any and all losses, claims, damages and liabilities caused by any untrue
statement or alleged untrue statement of a material fact contained in such Swap
Financial Disclosure or caused by any omission or alleged omission to state in
such Swap Financial Disclosure a material fact required to be stated therein or
necessary to make the statements therein, in light of the circumstances under
which they were made, not misleading.
18) TRANSFER, AMENDMENT AND ASSIGNMENT. No transfer, amendment, waiver,
supplement, assignment or other modification of this Transaction shall be
permitted by either party unless each of S&P and ▇▇▇▇▇'▇ has been provided prior
notice of the same and each of S&P and ▇▇▇▇▇'▇ confirms in writing (including by
facsimile transmission) that it will not downgrade, qualify, withdraw or
otherwise modify its then-current rating of the Certificates.
19) NON-RECOURSE. Notwithstanding any provision herein or in the ISDA Form
Master Agreement to the contrary, the obligations of Counterparty hereunder are
limited recourse obligations of Counterparty, payable solely from the Swap
Account and the proceeds thereof, in accordance with the terms of the Pooling
and Servicing Agreement. In the event that the Swap Account and proceeds thereof
should be insufficient to satisfy all claims outstanding and following the
realization of the Swap Account and the proceeds thereof, any claims against or
obligations of Counterparty under the ISDA Form Master Agreement or any other
confirmation thereunder still outstanding shall be extinguished and thereafter
not revive. The Supplemental Interest Trust Trustee shall not have liability for
any failure or delay in making a payment hereunder to BSFP due to any failure or
delay in receiving amounts in the Swap Account from the Trust created pursuant
to the Pooling and Servicing Agreement.
NEITHER THE BEAR ▇▇▇▇▇▇▇ COMPANIES INC. NOR ANY SUBSIDIARY OR AFFILIATE OF
THE BEAR ▇▇▇▇▇▇▇ COMPANIES INC. OTHER THAN BSFP IS AN OBLIGOR OR A CREDIT
SUPPORT PROVIDER ON THIS AGREEMENT.
5. Account Details and
Settlement Information: PAYMENTS TO BSFP:
Citibank, N.A., New York
ABA Number: ▇▇▇-▇▇▇▇-▇▇, for the account
of Bear, ▇▇▇▇▇▇▇ Securities Corp.
Account Number: 0925-3186, for further
credit to Bear ▇▇▇▇▇▇▇ Financial
Products Inc.
Sub-account Number: 102-04654-1-3
Attention: Derivatives Department
PAYMENTS TO COUNTERPARTY:
▇▇▇▇▇ Fargo Bank, N.A.
San Francisco, CA
ABA Number: ▇▇▇-▇▇▇-▇▇▇
Account Number: ▇▇▇▇▇▇▇▇▇▇
Account Name: Corporate Trust Clearing
FFC: 50895401
This Agreement may be executed in several counterparts, each of which shall be
deemed an original but all of which together shall constitute one and the same
instrument.
Counterparty hereby agrees to check this Confirmation and to confirm that the
foregoing correctly sets forth the terms of the Transaction by signing in the
space provided below and returning to BSFP a facsimile of the fully-executed
Confirmation to ▇▇▇-▇▇▇-▇▇▇▇. For inquiries regarding U.S. Transactions, please
contact ▇▇▇▇▇ ▇▇▇▇▇▇ by telephone at ▇▇▇-▇▇▇-▇▇▇▇. For all other inquiries
please contact DERIVATIVES DOCUMENTATION by telephone at ▇▇▇-▇-▇▇▇-▇▇▇▇.
Originals will be provided for your execution upon your request.
We are very pleased to have executed this Transaction with you and we look
forward to completing other transactions with you in the near future.
Very truly yours,
BEAR ▇▇▇▇▇▇▇ FINANCIAL PRODUCTS INC.
By: ___________________________________
Name:
Title:
Counterparty, acting through its duly authorized signatory, hereby agrees to,
accepts and confirms the terms of the foregoing as of the Trade Date.
▇▇▇▇▇ FARGO BANK, N.A., NOT INDIVIDUALLY, BUT SOLELY AS TRUSTEE ON BEHALF OF THE
SUPPLEMENTAL INTEREST TRUST FOR THE MASTR ASSET BACKED SECURITIES TRUST
2006-HE1, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-HE1
By: ___________________________________
Name:
Title:
lm
SCHEDULE I
(all such dates subject to adjustment in accordance with the Business Day
Convention)
NOTIONAL AMOUNT
FROM AND INCLUDING TO BUT EXCLUDING (USD)
------------------ ---------------- ---------------
Effective Date 3/25/2006 2,096,944.00
3/25/2006 4/25/2006 2,069,384.00
4/25/2006 5/25/2006 2,034,908.00
5/25/2006 6/25/2006 1,993,480.00
6/25/2006 7/25/2006 1,945,272.00
7/25/2006 8/25/2006 1,890,380.00
8/25/2006 9/25/2006 1,829,100.00
9/25/2006 10/25/2006 1,761,656.00
10/25/2006 11/25/2006 1,688,384.00
11/25/2006 12/25/2006 1,609,084.00
12/25/2006 1/25/2007 1,533,540.00
1/25/2007 2/25/2007 1,461,580.00
2/25/2007 3/25/2007 1,393,028.00
3/25/2007 4/25/2007 1,327,724.00
4/25/2007 5/25/2007 1,265,516.00
5/25/2007 6/25/2007 1,206,276.00
6/25/2007 7/25/2007 1,149,840.00
7/25/2007 8/25/2007 1,096,268.00
8/25/2007 9/25/2007 1,045,788.00
9/25/2007 10/25/2007 1,001,344.00
10/25/2007 11/25/2007 905,008.00
11/25/2007 12/25/2007 818,744.00
12/25/2007 1/25/2008 741,512.00
1/25/2008 2/25/2008 672,032.00
2/25/2008 3/25/2008 608,056.00
3/25/2008 4/25/2008 575,016.00
4/25/2008 5/25/2008 543,840.00
5/25/2008 6/25/2008 514,420.00
6/25/2008 7/25/2008 486,712.00
7/25/2008 8/25/2008 460,560.00
8/25/2008 9/25/2008 435,868.00
9/25/2008 10/25/2008 412,552.00
10/25/2008 11/25/2008 390,544.00
11/25/2008 12/25/2008 159,204.00
12/25/2008 1/25/2009 153,160.00
1/25/2009 2/25/2009 147,592.00
2/25/2009 3/25/2009 142,232.00
3/25/2009 4/25/2009 137,068.00
4/25/2009 5/25/2009 132,092.00
5/25/2009 6/25/2009 127,296.00
6/25/2009 7/25/2009 122,680.00
7/25/2009 8/25/2009 118,232.00
8/25/2009 Termination Date 113,944.00
ASSIGNMENT AGREEMENT
UBS AG has entered into the transaction listed on Attachment 1 hereto with
Reference Number 37208681 (the "Old Transaction") with UBS Real Estate
Securities, Inc. ("UBS Real Estate").
For valuable consideration, receipt of which is hereby acknowledged, UBS
Real Estate hereby assigns, transfers and sets over effective February 27, 2006
unto Mortgage Asset Securitization Transactions Inc. ("MASTR"), without recourse
all of its rights, title and interest in and to the Old Transaction and UBS Real
Estate hereby gives MASTR and its assigns full power and authority for its or
their own uses and benefit, but at its or their own cost, to demand, collect,
receive and give acquittance for the same or any part thereof, and to prosecute
or withdraw any suits or proceedings therefore. UBS AG hereby consents to the
assignment of the Old Transaction to MASTR as herein provided.
Upon the effectiveness of such assignment, for valuable consideration,
receipt of which is hereby acknowledged, MASTR hereby assigns, transfers and
sets over effective February 27, 2006 unto ▇▇▇▇▇ Fargo Bank, N.A., not
individually, but solely as trustee on behalf of the Supplemental Interest Trust
for the MASTR Asset Backed Securities Trust 2006-HE1, Mortgage Pass Through
Certificates, Series 2006-HE1 (the "Trust") without recourse, all of its rights,
title and interest in and to the Old Transaction (as so assigned and
transferred, referenced by UBS AG as a new transaction with Reference Number
37302515, as listed on Attachment 2 hereto and referred to as the "New
Transaction") and MASTR hereby gives the Trust and its assigns full power and
authority for its or their own uses and benefit, but at its or their own cost,
to demand, collect, receive and give acquittance for the same or any part of
thereof, and to prosecute or withdraw any suits or proceedings therefor. UBS AG
hereby consents to the assignment of the New Transaction to the Trust as herein
provided, with the understanding that the provisions labeled "Additional
Provisions" in the confirmation relating to the New Transaction shall become
effective upon the assignment to the Trust.
Each party hereby represents and warrants to the other that the execution,
delivery and performance of this Assignment Agreement by it are within its
powers, and have been duly authorized by all necessary corporate or other action
and that this Assignment Agreement constitutes its legal, valid and binding
obligation.
This Assignment Agreement shall be governed by and construed and
interpreted in accordance with the laws of the State of New York without regards
to the conflict of law provisions thereof, other than New York General
Obligations Law Section 5-1401 and 5-1402.
IN WITNESS WHEREOF, the parties have duly executed this Assignment Agreement as
of the date first written above.
UBS AG
UBS REAL ESTATE SECURITIES, INC.
By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇
Title:Director
By: ___________________________________
NAME:
By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
Title:Associate Director
By: __________________________________
NAME:
MORTAGE ASSET SECURITIZATION ▇▇▇▇▇ Fargo Bank, N.A., not
TRANSACTIONS INC. individually, but solely as trustee on
behalf of the Supplemental Interest
Trust for the MASTR Asset Backed
Securities Trust 2006-HE1, Mortgage Pass
Through Certificates, Series 2006-HE1
By:_________________________________ By: __________________________________
NAME: NAME:
Title: Title:
By:_________________________________
NAME:
TITLE:
ATTACHMENT 1
[UBS LOGO]
[UBS LETTERHEAD]
Date: 27 February 2006
To: UBS Real Estate Securities, Inc. ("Counterparty")
Attn: Swaps Administration
From: UBS AG, London Branch ("UBS AG")
Subject: Interest Rate Swap Transaction
UBS AG REF: 37208681
Dear Sirs,
The purpose of this communication is to confirm the terms and conditions of the
Transaction entered into between us on the Trade Date specified below. This
Confirmation constitutes a "Confirmation" as referred to in the Master Agreement
or Agreement specified below.
The definitions contained in the 2000 ISDA Definitions as published by the
International Swaps and Derivatives Association, Inc., are incorporated into
this Confirmation. In the event of any inconsistency between any of the
definitions listed above and this Confirmation, this Confirmation will govern.
If you and we are parties to a master agreement that governs transactions of
this type (whether in the form of the ISDA Master Agreement (Multicurrency-Cross
Border)(the "ISDA Form") or any other form (a "Master Agreement"), then this
Confirmation will supplement, form a part of, and be subject to that Master
Agreement. If you and we are not parties to such a Master Agreement, then you
and we agree to use all reasonable efforts promptly to negotiate, execute and
deliver an agreement in the form of the ISDA Form, with such modifications as
you and we will in good faith agree. Upon the execution by you and us of such an
agreement, this Confirmation will supplement, form a part of and be subject to
and governed by that agreement, except as expressly modified below. Until we
execute and deliver that agreement, this Confirmation, together with all other
documents referring to the ISDA Form (each a "Confirmation") confirming
transactions (each a "Transaction") entered into between us (notwithstanding
anything to the contrary in a confirmation), shall supplement, form a part of,
and be subject to an agreement in the form of the ISDA Form as if we had
executed an agreement in such form (but without any Schedule except for the
election of the laws of England as the Governing Law and U.S. Dollars as the
Termination Currency) on the Trade Date of the first Transaction between us
(hereinafter the "Agreement"). In the event of any inconsistency between the
provisions of any such Agreement and this Confirmation, this Confirmation will
prevail for the purposes of this Transaction.
The terms of the particular Swap Transaction to which this Confirmation relates
are as follows:
GENERAL TERMS
Trade Date: 27 February 2006
Effective Date: 27 February 2006
Termination Date: 25 September 2008
Calculation Agent: UBS AG, unless otherwise stated in the
Schedule to the Master Agreement.
Business Days: New York
Calculation Amount: Initially USD 135,996,000.00, amortizing
as per Amortizing Schedule below
Broker: None
AMORTIZATION SCHEDULE
PERIOD FROM PERIOD TO CALCULATION AMOUNT (USD)
--------------------------------------------------------------------------------
Effective Date 25-Mar-06 135,996,000.00
25-Mar-06 25-Apr-06 132,822,000.00
25-Apr-06 25-May-06 129,199,000.00
25-May-06 25-Jun-06 125,163,000.00
25-Jun-06 25-Jul-06 120,713,000.00
25-Jul-06 25-Aug-06 115,899,000.00
25-Aug-06 25-Sep-06 110,737,000.00
25-Sep-06 25-Oct-06 105,334,000.00
25-Oct-06 25-Nov-06 99,990,000.00
25-Nov-06 25-Dec-06 95,466,000.00
25-Dec-06 25-Jan-07 91,149,000.00
25-Jan-07 25-Feb-07 87,031,000.00
25-Feb-07 25-Mar-07 83,098,000.00
25-Mar-07 25-Apr-07 79,336,000.00
25-Apr-07 25-May-07 75,747,000.00
25-May-07 25-Jun-07 72,320,000.00
25-Jun-07 25-Jul-07 69,022,000.00
25-Jul-07 25-Aug-07 65,516,000.00
25-Aug-07 25-Sep-07 60,470,000.00
25-Sep-07 25-Oct-07 51,664,000.00
25-Oct-07 25-Nov-07 47,398,000.00
25-Nov-07 25-Dec-07 43,559,000.00
25-Dec-07 25-Jan-08 40,249,000.00
25-Jan-08 25-Feb-08 38,040,000.00
25-Feb-08 25-Mar-08 37,886,000.00
25-Mar-08 25-Apr-08 35,978,000.00
25-Apr-08 25-May-08 34,177,000.00
25-May-08 25-Jun-08 32,474,000.00
25-Jun-08 25-Jul-08 30,851,000.00
25-Jul-08 25-Aug-08 29,314,000.00
25-Aug-08 Termination Date 27,858,000.00
With respect to the Floating Rate Payer Calculation Periods, the dates in the
above schedule with the exception of the Effective Date will be subject to
adjustment in accordance with the Modified Following Business Day Convention.
With respect to the Fixed Rate Payer Calculation Periods, the dates in the above
schedule will be subject to No Adjustment.
FIXED AMOUNTS
Fixed Rate Payer: Counterparty
Fixed Rate: 4.651 per cent per annum
Fixed Rate Day Count Fraction: 30/360
Fixed Rate Payer Payment Dates: 25 January, 25 February, 25 March, 25
April, 25 May, 25 June, 25 July, 25
August, 25 September, 25 October, 25
November and 25 December, in each year,
from and including 25 March 2006, up to
and including the Termination Date,
subject to adjustment in accordance with
the Business Day Convention specified
immediately below and there shall be No
Adjustment to the Calculation Period
Business Day Convention: Modified Following
FLOATING AMOUNTS
Floating Rate Payer: UBS AG
Floating Rate Option: USD-LIBOR-BBA
Designated Maturity: One month
Floating Rate Day Count Fraction: Actual/360
Spread: None
Floating Rate Payer Period End Dates: 25 January, 25 February, 25 March, 25
April, 25 May, 25 June, 25 July, 25
August, 25 September, 25 October, 25
November and 25 December, in each year,
from and including 25 March 2006, up to
and including the Termination Date,
subject to adjustment in accordance with
the Business Day Convention specified
immediately below
Floating Rate Payer Payment Dates: Early Payment
shall be applicable. The Floating Rate
Payer Payment Dates shall be two
Business Days prior to each Floating
Rate Payer Period End Date.
Reset Dates: First day of each Calculation Period
Business Day Convention: Modified Following
Compounding: Inapplicable
RELATIONSHIP BETWEEN PARTIES
Each party will be deemed to represent to the other party on the date on which
it enters into this Transaction that (in the absence of a written Agreement
between the parties which expressly imposes affirmative obligations to the
contrary for this Transaction):
(a) Non-Reliance. Each party is acting for its own account, and has made its own
independent decisions to enter into this Transaction and this such Transaction
is appropriate or proper for it based upon its own judgement and upon advice
from such advisers as it has deemed necessary. Each party is not relying on any
communication (written or oral) of the other party as investment advice or as a
recommendation to enter into this Transaction; it being understood that
information and explanation relating to the terms and conditions of this
Transaction shall not be considered investment advice or a recommendation to
enter into this Transaction. No communication (written or oral) received from
the other party shall be deemed to be an assurance or guarantee as to the
expected results of this Transaction.
(b) Assessment and Understanding. Each party is capable of assessing the merits
of and understands (on its own behalf or through independent professional
advice), and accepts, the terms, conditions and risks of this Transaction. Each
party is also capable of assuming and assumes, the risks of this Transaction.
(c) Status of the Parties. Neither party is acting as a fiduciary for or as an
adviser to the other in respect of this Transaction.
References in this clause to "a party" shall, in the case of UBS AG, London
Branch and where the context so allows, include references to any affiliate of
UBS AG, London Branch
ACCOUNT DETAILS
---------------
Currency: USD
Correspondent Bank: UBS AG, ▇▇▇▇▇▇▇▇ BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Favour: UBS AG LONDON BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Account No: 101-wa-140007-000
Further Credit To:
Swift Address:
Account No:
OFFICES
(a) The office of UBS AG for the Swap Transaction is London; and (b) The office
of the Counterparty for the Swap Transaction is LONDON.
CONTACT NAMES AT UBS AG
Pre Value Payments: Pre Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Post Value Payments: Post Value Payment (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Investigations:
Confirmation Queries: Confirmation Control: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
ISDA Documentation: Credit Risk Management: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇
Swift: UBSWGB2L
Fax: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇/2990
Address: UBS AG
▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇
Please confirm that the foregoing correctly sets forth the terms and conditions
of our agreement by executing a copy of this Confirmation and returning it to us
or by sending to us a letter or facsimile substantially similar to this letter,
which letter or facsimile sets forth the material terms of the Transaction to
which this Confirmation relates and indicates your agreement to those terms or
by sending to us a return letter or facsimile in the form attached.
Yours Faithfully
For and on Behalf of
UBS AG, London Branch
By: By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇ Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
Title: Director Title: Associate Director
Acknowledged and agreed by UBS Real Estate Securities, Inc. as of the Trade Date
specified above:
By: By:
Name: Name:
Title: Title:
UBS AG London Branch, ▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇
UBS AG is a member of the London Stock Exchange and is regulated in the UK by
the Financial Services Authority. Representatives of UBS Limited introduce
trades to UBS AG via UBS Limited
ATTACHMENT 2
[UBS LOGO]
[UBS LETTERHEAD]
Date: 27 February 2006
To: ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely
as trustee on behalf of the Supplemental Interest
Trust for the MASTR Asset Backed Securities Trust
2006-HE1, Mortgage Pass Through Certificates, Series
2006-HE1 ("Counterparty")
Attn: Client Manager, MABS 2006-HE1
Fax No: ▇▇▇-▇▇▇-▇▇▇▇
From: UBS AG, London Branch ("UBS AG")
Subject: Interest Rate Swap Transaction
UBS AG REF: 37302515
Dear Sirs,
The purpose of this communication is to confirm the terms and conditions of the
Transaction entered into between us on the Trade Date specified below. This
Confirmation constitutes a "Confirmation" as referred to in the Master Agreement
or Agreement specified below.
The definitions contained in the 2000 ISDA Definitions as published by the
International Swaps and Derivatives Association, Inc., are incorporated into
this Confirmation. In the event of any inconsistency between any of the
definitions listed above and this Confirmation, this Confirmation will govern.
This Confirmation supplements, forms part of, and is subject to, the ISDA Master
Agreement dated as of 27 February 2006 as amended and supplemented from time to
time (the "Agreement"), between Counterparty and UBS AG. All provisions
contained in the Agreement govern this Confirmation except as expressly modified
below.
The terms of the particular Swap Transaction to which this Confirmation relates
are as follows:
GENERAL TERMS
Trade Date: 27 February 2006
Effective Date: 27 February 2006
Termination Date: 25 September 2008
Calculation Agent: UBS AG, unless otherwise stated in the
Schedule to the Master Agreement.
Business Days: New York
Calculation Amount: Initially USD 543,984.00, amortizing as
per Amortizing Schedule below
Broker: None
AMORTIZING SCHEDULE:
PERIOD FROM PERIOD TO CALCULATION AMOUNT (USD)
--------------------------------------------------------------------------------
Effective Date 25-Mar-06 543,984
25-Mar-06 25-Apr-06 531,288
25-Apr-06 25-May-06 516,796
25-May-06 25-Jun-06 500,652
25-Jun-06 25-Jul-06 482,852
25-Jul-06 25-Aug-06 463,596
25-Aug-06 25-Sep-06 442,948
25-Sep-06 25-Oct-06 421,336
25-Oct-06 25-Nov-06 399,960
25-Nov-06 25-Dec-06 381,864
25-Dec-06 25-Jan-07 364,596
25-Jan-07 25-Feb-07 348,124
25-Feb-07 25-Mar-07 332,392
25-Mar-07 25-Apr-07 317,344
25-Apr-07 25-May-07 302,988
25-May-07 25-Jun-07 289,280
25-Jun-07 25-Jul-07 276,088
25-Jul-07 25-Aug-07 262,064
25-Aug-07 25-Sep-07 241,880
25-Sep-07 25-Oct-07 206,656
25-Oct-07 25-Nov-07 189,592
25-Nov-07 25-Dec-07 174,236
25-Dec-07 25-Jan-08 160,996
25-Jan-08 25-Feb-08 152,160
25-Feb-08 25-Mar-08 151,544
25-Mar-08 25-Apr-08 143,912
25-Apr-08 25-May-08 136,708
25-May-08 25-Jun-08 129,896
25-Jun-08 25-Jul-08 123,404
25-Jul-08 25-Aug-08 117,256
25-Aug-08 Termination Date 111,432
With respect to the Floating Rate Payer Calculation Periods, the dates in the
above schedule with the exception of the Effective Date will be subject to
adjustment in accordance with the Modified Following Business Day Convention.
With respect to the Fixed Rate Payer Calculation Periods, the dates in the above
schedule will be subject to No Adjustment.
FIXED AMOUNTS
Fixed Rate Payer: Counterparty
Fixed Amount: To be determined in accordance with the
following formula: 250 * Fixed Rate *
Calculation Amount * Fixed Rate Day
Count Fraction
Fixed Rate: 4.651 per cent per annum
Fixed Rate Day Count Fraction: 30/360
Fixed Rate Payer Payment Dates: 25 January, 25 February, 25 March, 25
April, 25 May, 25 June, 25 July, 25
August, 25 September, 25 October, 25
November and 25 December, in each year,
from and including 25 March 2006, up to
and including the Termination Date,
subject to adjustment in accordance with
the Business Day Convention specified
immediately below and there shall be No
Adjustment to the Calculation Period
Business Day Convention: Modified Following
FLOATING AMOUNTS
Floating Rate Payer: UBS AG
Floating Amount: To be determined in accordance with the
following formula: 250 * Floating Rate
Option * Calculation Amount * Floating
Rate Day Count Fraction
Floating Rate Option: USD-LIBOR-BBA
Designated Maturity: 1 month
Floating Rate Day Count Fraction: Actual/360
Spread: None
Floating Rate Payer Period End Dates: 25 January, 25 February, 25 March, 25
April, 25 May, 25 June, 25 July, 25
August, 25 September, 25 October, 25
November and 25 December, in each year,
from and including 25 March 2006, up to
and including the Termination Date,
subject to adjustment in accordance with
the Business Day Convention specified
immediately below
Floating Rate Payer Payment Dates: Early Payment shall be applicable. The
Floating Rate Payer Payment Dates shall
be two Business Days prior to each
Floating Rate Payer Period End Date.
Reset Dates: First day of each Calculation Period
Business Day Convention: Modified Following
Compounding: Inapplicable
RELATIONSHIP BETWEEN PARTIES
Each party will be deemed to represent to the other party on the date on which
it enters into this Transaction that (in the absence of a written Agreement
between the parties which expressly imposes affirmative obligations to the
contrary for this Transaction):
(a) Non-Reliance. Each party is acting for its own account, and has made its own
independent decisions to enter into this Transaction and this such Transaction
is appropriate or proper for it based upon its own judgement and upon advice
from such advisers as it has deemed necessary. Each party is not relying on any
communication (written or oral) of the other party as investment advice or as a
recommendation to enter into this Transaction; it being understood that
information and explanation relating to the terms and conditions of this
Transaction shall not be considered investment advice or a recommendation to
enter into this Transaction. No communication (written or oral) received from
the other party shall be deemed to be an assurance or guarantee as to the
expected results of this Transaction.
(b) Assessment and Understanding. Each party is capable of assessing the merits
of and understands (on its own behalf or through independent professional
advice), and accepts, the terms, conditions and risks of this Transaction. Each
party is also capable of assuming and assumes, the risks of this Transaction.
(c) Status of the Parties. Neither party is acting as a fiduciary for or as an
adviser to the other in respect of this Transaction.
(d) Purpose. It is an "eligible swap participant" as such term is defined in
Section 35.1(b)(2) of the regulations (17 C.F.R. 35) promulgated under, and an
"eligible contract participant" as defined in Section 1(a)(12) of the Commodity
Exchange Act, as amended, and it is entering into the Transaction for the
purposes of managing its borrowing or investments, hedging its underlying assets
or liabilities or in connection with a line of business.
References in this clause to "a party" shall, in the case of UBS AG, London
Branch and where the context so allows, include references to any affiliate of
UBS AG, London Branch
ACCOUNT DETAILS
Currency: USD
Correspondent Bank: UBS AG, ▇▇▇▇▇▇▇▇ BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Favour: UBS AG LONDON BRANCH
Swift Address: ▇▇▇▇▇▇▇▇▇▇▇
Account No: 101-wa-140007-000
Further Credit To:
Swift Address:
Account No:
OFFICES
(a)The office of UBS AG for the Swap Transaction is London; and (b)The office of
the Counterparty for the Swap Transaction is New York
CONTACT NAMES AT UBS AG
Pre Value Payments: Pre Value Payment 203.719.1110
Investigations:
Post Value Payments: Post Value Payment 203.719.1110
Investigations:
Confirmation Queries: Confirmation Control: 203.719.3733
ISDA Documentation: Credit Risk Management: 203.719.8184
Swift: UBSWGB2L
Fax: (▇▇) ▇▇ ▇▇▇▇ ▇▇▇▇/2990
Address: UBS AG
▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇
Contact Info:
▇▇▇▇▇ Fargo Bank, N.A.
▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇
Attn: Client Manager MABS 2006-HE1, or
(p) 410.884.2000
(f) 410.715.2380
Wiring Instructions:
▇▇▇▇▇ Fargo Bank, NA
San Francisco, CA
ABA #: ▇▇▇-▇▇▇-▇▇▇
Acct #: ▇▇▇▇▇▇▇▇▇▇
Acct Name: SAS Clearing
For Further Credit: Account # ▇▇▇▇▇▇▇▇
Please confirm that the foregoing correctly sets forth the terms and conditions
of our agreement by executing a copy of this Confirmation and returning it to us
or by sending to us a letter or facsimile substantially similar to this letter,
which letter or facsimile sets forth the material terms of the Transaction to
which this Confirmation relates and indicates your agreement to those terms or
by sending to us a return letter or facsimile in the form attached.
Yours Faithfully
For and on Behalf of
UBS AG, London Branch
By: By:
Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇ Name: ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
Title: Director Title: Associate Director
Acknowledged and agreed by ▇▇▇▇▇ Fargo Bank, N.A., not individually, but solely
as trustee on behalf of the Supplemental Interest Trust for the MASTR Asset
Backed Securities Trust 2006-HE1, Mortgage Pass Through Certificates, Series
2006-HE1 as of the Trade Date specified above:
By:
Name:
Title:
UBS AG London Branch, ▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇
UBS AG is a member of the London Stock Exchange and is regulated in the UK by
the Financial Services Authority. Representatives of UBS Limited introduce
trades to UBS AG via UBS Limited
EXHIBIT N
FORM OF SWAP ADMINISTRATION AGREEMENT
This Swap Administration Agreement, dated as of February 27, 2006
(this "Agreement"), among ▇▇▇▇▇ Fargo Bank, N.A. ("▇▇▇▇▇ Fargo"), as swap
administrator ("Swap Administrator") and as trust administrator and supplemental
interest trust trustee (in such capacity, the "Trust Administrator" and
"Supplemental Interest Trust Trustee") under the Pooling and Servicing
Agreement, as hereinafter defined (in such capacity, the "Trustee"), and UBS
Real Estate Securities Inc ("UBSRES").
WHEREAS, the Trust Administrator, on behalf of the holders of the
MASTR Asset-Backed Securities Trust 2006-HE1, Mortgage Pass-Through
Certificates, is counterparty to an Interest Rate Swap Agreement (the "Swap
Agreement"), a copy of which is attached hereto as Exhibit A, between the
Supplemental Interest Trust Trustee and Bear ▇▇▇▇▇▇▇ Financial Products Inc.
("BSFP");
WHEREAS, the Trust Administrator, on behalf of the holders of the
MASTR Asset-Backed Securities Trust 2006-HE1, Mortgage Pass-Through
Certificates, is counterparty to an Interest Rate Swap Agreement (the "Swap
Agreement"), a copy of which is attached hereto as Exhibit B, between the
Supplemental Interest Trust Trustee and UBS AG ("UBS AG"); and
WHEREAS, it is desirable to irrevocably appoint the Swap
Administrator, and the Swap Administrator desires to accept such appointment, to
receive and distribute funds payable by BSFP or UBS AG under the related Swap
Agreement as provided herein;
NOW, THEREFORE, in consideration of the mutual covenants contained
herein, and for other good and valuable consideration, the receipt and adequacy
of which are hereby acknowledged, the parties agree as follows:
1. Definitions. Capitalized terms used but not otherwise defined herein
shall have the respective meanings assigned thereto in the Pooling and Servicing
Agreement, dated as of February 1, 2006 (the "Pooling and Servicing Agreement"),
among Mortgage Asset Securitization Transactions, Inc., as depositor, ▇▇▇▇▇
Fargo Bank, N.A. as master servicer and trust administrator, ▇▇▇▇▇ Fargo Bank,
N.A. as servicer, JPMorgan Chase Bank, National Association as servicer and the
Trustee, relating to the MASTR Asset-Backed Securities Trust 2006-HE1, Mortgage
Pass-Through Certificates (the "Certificates"), or in the related Indenture, as
the case may be, as in effect on the date hereof.
2. Swap Administrator.
(a) The Swap Administrator is hereby irrevocably appointed to receive all
funds paid to the Supplemental Interest Trust Trustee by BSFP or UBS AG as
applicable, or their successors in interest (together the "Swap Providers")
under the Swap Agreement (including any Swap Termination Payment) and the Swap
Administrator hereby accepts such appointment and hereby agrees to receive such
amounts from the Supplemental Interest Trust Trustee and to distribute on each
Distribution Date such amounts in the following order of priority:
(i) first, to the Trust Administrator for deposit into the Swap
Account, an amount equal to the sum of the following amounts remaining
outstanding after distribution of the Net Monthly Excess Cashflow: (A)
Unpaid Interest Shortfall Amounts, (B) Net WAC Rate Carryover Amounts; (C)
an amount necessary to maintain or restore the Overcollateralization
Target Amount; and (D) any Allocated Realized Loss Amounts;
(ii) second, to UBSRES, any amounts remaining after payment of (i)
above, PROVIDED, HOWEVER, upon the issuance of notes by an issuer (the
"Trust"), secured by all or a portion of the Class CE Certificates and the
Class P Certificates (the "NIM Notes"), UBSRES hereby instructs the Swap
Administrator to make any payments under this clause 2(a)(ii) in the
following order of priority:
(A) to the Indenture Trustee for the Trust, for deposit into
the Note Account (each as to defined in the related Indenture), and
until satisfaction and discharge of the Indenture, the Floating
Amount (as defined in Annex I); and
(B) concurrently, to the Holders of the Class CE Certificates,
PRO RATA based on the outstanding Notional Amount of each such
Certificate; provided, however, that any Swap Termination Payment
received by the Swap Administrator shall not be payable to the
Holders of the Class CE Certificates pursuant to this clause (ii)(B)
without the prior written consent of the NIMS Insurer, if any and
the Rating Agencies.
The Swap Administrator hereby agrees to apply amounts received by
BSFP and UBS AG in the order and priority set forth above, PRO RATA, based on
the amounts received by BSFP and UBS AG.
(b) The Swap Administrator agrees to hold any amounts received from the
Supplemental Interest Trust Trustee in trust upon the terms and conditions and
for the exclusive use and benefit of the Trustee, the Trust Administrator, and
the Indenture Trustee, as applicable (in turn for the benefit of the
Certificateholders, the Noteholders and the NIMS Insurer, if any) as set forth
herein. The rights, duties and liabilities of the Swap Administrator in respect
of this Agreement shall be as follows:
(i) The Swap Administrator shall have the full power and authority
to do all things not inconsistent with the provisions of this Agreement
that it may deem advisable in order to enforce the provisions hereof. The
Swap Administrator shall not be answerable or accountable except for its
own bad faith, willful misconduct or negligence. The Swap Administrator
shall not be required to take any action to exercise or enforce any of its
rights or powers hereunder which, in the opinion of the Swap
Administrator, shall be likely to involve expense or liability to the Swap
Administrator, unless the Swap Administrator shall have received an
agreement satisfactory to it in its sole discretion to indemnify it
against such liability and expense.
(ii) The Swap Administrator shall not be liable with respect to any
action taken or omitted to be taken by it in good faith in accordance with
the direction of any party hereto or the NIMS Insurer, if any, or
otherwise as provided herein, relating to the time, method and place of
conducting any proceeding for any remedy available to the Swap
Administrator or exercising any right or power conferred upon the Swap
Administrator under this Agreement.
(iii) The Swap Administrator may perform any duties hereunder either
directly or by or through agents or attorneys of the Swap Administrator.
The Swap Administrator shall not be liable for the acts or omissions of
its agents or attorneys so long as the Swap Administrator chose such
Persons with due care.
3. Swap Administration Account. The Swap Administrator shall segregate
and hold all funds received from the Supplemental Interest Trust Trustee
(including any Swap Termination Payment) separate and apart from any of its own
funds and general assets and shall establish and maintain in the name of the
Swap Administrator one or more segregated accounts (such account or accounts,
the "Swap Account"), held in trust for the benefit of the Trustee, the Trust
Administrator, the Indenture Trustee and the parties to this Agreement. All
amounts on deposit in the Swap Account shall remain uninvested unless the Swap
Administrator receives instructions to the contrary from any party hereto, with
the consent of the NIMS Insurer, if any. The Swap Administrator hereby agrees
that it holds and shall hold the Swap Account and all amounts deposited therein
in trust for the exclusive use and benefit of the Trustee, the Trust
Administrator and the Indenture Trustee as their interests may appear.
4. Replacement Swap Agreements.
The Supplemental Interest Trust Trustee shall, at the direction of
the NIMS Insurer, if any, or, with the consent of the NIMS Insurer, if any, at
the direction of UBSRES, enforce all of its rights and exercise any remedies
under the Swap Agreements. In the event aSwap Agreement is terminated as a
result of the designation by either party thereto of an Early Termination Date
(as defined therein), the Trust Administrator shall, at the direction of UBSRES,
find a replacement counterparty to enter into a replacement swap agreement.
Any Swap Termination Payment received by the Swap Administrator from
the Supplemental Interest Trust Trustee shall be deposited in the Swap Account
and shall be used to make any upfront payment required under a replacement swap
agreement and any upfront payment received from the counterparty to a
replacement swap agreement shall be used to pay any Swap Termination Payment
owed to the related Swap Provider.
5. Representations and Warranties of ▇▇▇▇▇ Fargo. ▇▇▇▇▇ Fargo
represents and warrants as follows:
(a) ▇▇▇▇▇ Fargo is duly organized and validly existing as a national
banking association under the laws of the United States and has all requisite
power and authority to execute and deliver this Agreement, to perform its
obligations as Swap Administrator hereunder.
(b) The execution, delivery and performance of this Agreement by ▇▇▇▇▇
Fargo as Trust Administrator have been duly authorized in the Pooling and
Servicing Agreement.
(c) This Agreement has been duly executed and delivered by ▇▇▇▇▇ Fargo as
Swap Administrator, Trust Administrator and Supplemental Interest Trust Trustee
and is enforceable against ▇▇▇▇▇ Fargo in such capacities in accordance with its
terms, except as enforceability may be affected by bankruptcy, insolvency,
fraudulent conveyance, reorganization, moratorium and other similar laws
relating to or affecting creditors' rights generally, general equitable
principles (whether considered in a proceeding in equity or at law).
6. Replacement of Swap Administrator.
Any corporation, bank, trust company or association into which the
Swap Administrator may be merged or converted or with which it may be
consolidated, or any corporation, bank, trust company or association resulting
from any merger, conversion or consolidation to which the Swap Administrator
shall be a party, or any corporation, bank, trust company or association
succeeding to all or substantially all the corporate trust business of the Swap
Administrator, shall be the successor of the Swap Administrator hereunder,
without the execution or filing of any paper or any further act on the part of
any of the parties hereto, except to the extent that assumption of its duties
and obligations, as such, is not effected by operation of law.
No resignation or removal of the Swap Administrator and no
appointment of a successor Swap Administrator shall become effective until the
appointment by UBSRES of a successor swap administrator acceptable to the NIMS
Insurer, if any. Any successor swap administrator shall execute such documents
or instruments necessary or appropriate to vest in and confirm to such successor
swap administrator all such rights and powers conferred by this Agreement.
The Swap Administrator may resign at any time by giving written
notice thereof to the other parties hereto with a copy to the NIMS Insurer, if
any. If a successor swap administrator shall not have accepted the appointment
hereunder within 30 days after the giving by the resigning Swap Administrator of
such notice of resignation, the resigning Swap Administrator may petition any
court of competent jurisdiction for the appointment of a successor swap
administrator acceptable to the NIMS Insurer, if any.
In the event of a resignation or removal of the Swap Administrator,
UBSRES shall promptly appoint a successor Swap Administrator acceptable to the
NIMS Insurer, if any. If no such appointment has been made within 10 days of the
resignation or removal, the NIMS Insurer, if any, may appoint a successor Swap
Administrator.
7. Trust Administrator Obligations.
Whenever the Supplemental Interest Trust Trustee, as a party to each
Swap Agreement, has the option or is requested in such capacity, whether such
request is by the counterparty to such agreement, to take any action or to give
any consent, approval or waiver that it is entitled to take or give in such
capacity, including, without limitation, in connection with an amendment of such
agreement or the occurrence of a default or termination event thereunder, the
Supplemental Interest Trust Trustee shall promptly notify the parties hereto and
the NIMS Insurer, if any, of such request in such detail as is available to it
and, shall, on behalf of the parties hereto and the NIMS Insurer, if any, take
such action in connection with the exercise and/or enforcement of any rights
and/or remedies available to it in such capacity with respect to such request as
the NIMS Insurer, if any, shall direct in writing; provided that if no such
direction is received prior to the date that is established for taking such
action or giving such consent, approval or waiver (notice of which date shall be
given by the Supplemental Interest Trust Trustee to the parties hereto and the
NIMS Insurer, if any), the Supplemental Interest Trust Trustee may abstain from
taking such action or giving such consent, approval or waiver.
The Supplemental Interest Trust Trustee shall forward to the parties
hereto and the NIMS Insurer, if any, on the Payment Date following its receipt
thereof copies of any and all notices, statements, reports and/or other material
communications and information (collectively, the "Swap Reports") that it
receives in connection with the Swap Agreements or from the related counterparty
thereto.
8. Miscellaneous.
(a) This Agreement shall be governed by and construed in accordance with
the laws of the State of New York.
(b) Any action or proceeding against any of the parties hereto relating in
any way to this Agreement may be brought and enforced in the courts of the State
of New York sitting in the borough of Manhattan or of the United States District
Court for the Southern District of New York and the Swap Administrator
irrevocably submits to the jurisdiction of each such court in respect of any
such action or proceeding. The Swap Administrator waives, to the fullest extent
permitted by law, any right to remove any such action or proceeding by reason of
improper venue or inconvenient forum.
(c) This Agreement may be amended, supplemented or modified in writing by
the parties hereto, but only with the consent of the NIMS Insurer, if any.
(d) This Agreement may not be assigned or transferred without the prior
written consent of the NIMS Insurer, if any; provided, however, the parties
hereto acknowledge and agree to the assignment of the rights of UBSRES as
provided under this Agreement pursuant to the Sale Agreement, the Trust
Agreement and the Indenture.
(e) This Agreement may be executed by one or more of the parties to this
Agreement on any number of separate counterparts (including by facsimile
transmission), and all such counterparts taken together shall be deemed to
constitute one and the same instrument.
(f) Any provision of this Agreement which is prohibited or unenforceable
in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent
of such prohibition or unenforceability without invalidating the remaining
provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision in any
other jurisdiction.
(g) The representations and warranties made by the parties to this
Agreement shall survive the execution and delivery of this Agreement. No act or
omission on the part of any party hereto shall constitute a waiver of any such
representation or warranty.
(h) The article and section headings herein are for convenience of
reference only, and shall not limit or otherwise affect the meaning hereof.
(i) The representations and warranties made by the parties to this
Agreement shall survive the execution and delivery of this Agreement. No act or
omission on the part of any party hereto shall constitute a waiver of any such
representation or warranty.
9. Third-Party Beneficiary. Each of the Note Insurer, the Backup Note
Insurer and the Indenture Trustee, if any, shall be deemed a third-party
beneficiary of this Agreement to the same extent as if it were a party hereto,
and shall have the right to enforce the provisions of this Agreement.
10. Swap Administrator and Trust Administrator Rights. The Swap
Administrator shall be entitled to the same rights, protections and indemnities
afforded to the Trust Administrator under the Pooling and Servicing Agreement
and the Indenture Trustee under the Indenture, in each case, as if specifically
set forth herein with respect to the Swap Administrator.
The Trust Administrator and the Supplemental Interest Trust Trustee shall
be entitled to the same rights, protections and indemnities afforded to the
Trust Administrator under the Pooling and Servicing Agreement as if specifically
set forth herein with respect to the Trust Administrator.
11. Limited Recourse. It is expressly understood and agreed by the
parties hereto that this Agreement is executed and delivered by the Trust
Administrator, not in its individual capacity but solely as trust administrator
under the Pooling and Servicing Agreement. Notwithstanding any other provisions
of this Agreement, the obligations of the Trust Administrator under this
Agreement are non-recourse to the Trust Administrator, its assets and its
property, and shall be payable solely from the assets of the Trust Fund, and
following realization of such assets, any claims of any party hereto shall be
extinguished and shall not thereafter be reinstated. No recourse shall be had
against any principal, director, officer, employee, beneficiary, shareholder,
partner, member, trustee, agent or affiliate of the Trust Administrator or any
person owning, directly or indirectly, any legal or beneficial interest in the
Trust Administrator, or any successors or assigns of any of the foregoing (the
"Exculpated Parties") for the payment of any amount payable under this
Agreement. The parties hereto shall not enforce the liability and obligations of
the Trust Administrator to perform and observe the obligations contained in this
Agreement by any action or proceeding wherein a money judgment establishing any
personal liability shall be sought against the Trust Administrator, subject to
the following sentence, or the Exculpated Parties. The agreements in this
paragraph shall survive termination of this Agreement and the performance of all
obligations hereunder.
IN WITNESS WHEREOF, the parties have caused this Agreement to be
duly executed and delivered as of the day and year first above written.
▇▇▇▇▇ FARGO BANK, N.A.
as Swap Administrator
By: ____________________________________
Name:
Title:
▇▇▇▇▇ FARGO BANK, N.A.
not in its individual capacity but
solely as Trust Administrator and
Supplemental Interest Trust Trustee
under the Pooling and Servicing
Agreement
By: ____________________________________
Name:
Title:
UBS REAL ESTATE SECURITIES INC.
By: ____________________________________
Name:
Title:
By: ____________________________________
Name:
Title:
EXHIBIT A
SWAP AGREEMENT
ANNEX I
The amounts paid under clause 2(a)(ii) of the Swap Administration Agreement
shall be calculated as follows:
FLOATING AMOUNT:
Floating Rate Payer: BSFP
Cap Rate: 15.00%
Floating Amount To be determined in accordance with the
following formula:
The product of: (i) 250; (ii) the Cap
Rate, (iii) the Notional Amount; and
(iv) the Floating Rate Day Count
Fraction;
PROVIDED, HOWEVER, the Swap
Administrator will only be obligated to
pay the Floating Amount up to the amount
remaining after payments are made under
clause 2(a)(i) of the Swap
Administration Agreement.
The Floating Amount shall be paid to the
Indenture Trustee for payment in
accordance with Section 2.09(e) of the
Indenture.
Floating Rate Day Count Fraction: Actual/360.
Notional Amount: The amount set forth for such period in
the Amortization Schedule A.
SCHEDULE A TO ANNEX I
INTEREST RATE SWAP SCHEDULE
BASE
CALCULATION
DISTRIBUTION DATE AMOUNT
----------------- -----------------
3/25/2006 2,096,944.00
4/25/2006 2,069,384.00
5/25/2006 2,034,908.00
6/25/2006 1,993,480.00
7/25/2006 1,945,272.00
8/25/2006 1,890,380.00
9/25/2006 1,829,100.00
10/25/2006 1,761,656.00
11/25/2006 1,688,384.00
12/25/2006 1,609,084.00
1/25/2007 1,533,540.00
2/25/2007 1,461,580.00
3/25/2007 1,393,028.00
4/25/2007 1,327,724.00
5/25/2007 1,265,516.00
6/25/2007 1,206,276.00
7/25/2007 1,149,840.00
8/25/2007 1,096,268.00
9/25/2007 1,045,788.00
10/25/2007 1,001,344.00
11/25/2007 905,008.00
12/25/2007 818,744.00
1/25/2008 741,512.00
2/25/2008 672,032.00
3/25/2008 608,056.00
4/25/2008 575,016.00
5/25/2008 543,840.00
6/25/2008 514,420.00
7/25/2008 486,712.00
8/25/2008 460,560.00
9/25/2008 435,868.00
10/25/2008 412,552.00
11/25/2008 390,544.00
12/25/2008 159,204.00
1/25/2009 153,160.00
2/25/2009 147,592.00
3/25/2009 142,232.00
4/25/2009 137,068.00
5/25/2009 132,092.00
6/25/2009 127,296.00
7/25/2009 122,680.00
8/25/2009 118,232.00
Termination Date 113,944.00
EXHIBIT B
SWAP AGREEMENT
ANNEX II
The amounts paid under clause 2(a)(ii) of the Swap Administration Agreement
shall be calculated as follows:
FLOATING AMOUNT:
Floating Rate Payer: UBS AG
Cap Rate: 15.00%
Floating Amount To be determined in accordance
with the following formula:
The product of: (i) 250; (ii) the Cap
Rate, (iii) the Notional Amount; and
(iv) the Floating Rate Day Count
Fraction;
PROVIDED, HOWEVER, the Swap
Administrator will only be obligated to
pay the Floating Amount up to the amount
remaining after payments are made under
clause 2(a)(i) of the Swap
Administration Agreement.
The Floating Amount shall be paid to the
Indenture Trustee for payment in
accordance with Section 2.09(e) of the
Indenture.
Floating Rate Day Count Fraction: Actual/360.
Notional Amount: The amount set forth for such period in
the Amortization Schedule A.
SCHEDULE A TO ANNEX II
INTEREST RATE SWAP SCHEDULE
BASE
CALCULATION
DISTRIBUTION DATE AMOUNT
----------------- -----------------
March 25, 2006 543,984.00
April 25, 2006 531,288.00
May 25, 2006 516,796.00
June 25, 2006 500,652.00
July 25, 2006 482,852.00
August 25, 2006 463,596.00
September 25, 2006 442,948.00
October 25, 2006 421,336.00
November 25, 2006 399,960.00
December 25, 2006 381,864.00
January 25, 2007 364,596.00
February 25, 2007 348,124.00
March 25, 2007 332,392.00
April 25, 2007 317,344.00
May 25, 2007 302,988.00
June 25, 2007 289,280.00
July 25, 2007 276,088.00
August 25, 2007 262,064.00
September 25, 2007 241,880.00
October 25, 2007 206,656.00
November 25, 2007 189,592.00
December 25, 2007 174,236.00
January 25, 2008 160,996.00
February 25, 2008 152,160.00
March 25, 2008 151,544.00
April 25, 2008 143,912.00
May 25, 2008 136,708.00
June 25, 2008 129,896.00
July 25, 2008 123,404.00
August 25, 2008 117,256.00
September 25, 2008 111,432.00
EXHIBIT O
SERVICING CRITERIA TO BE ADDRESSED
IN ASSESSMENT OF COMPLIANCE
Definitions
Primary Servicer - transaction party having borrower contact
Master Servicer - aggregator of pool assets
Trust Administrator - waterfall calculator (may be the Trustee, or may be the
Master Servicer)
Back-up Servicer - named in the transaction (in the event a Back up Servicer
becomes the Primary Servicer, follow Primary Servicer obligations)
Custodian - safe keeper of pool assets
Paying Agent - distributor of funds to ultimate investor
Trustee - fiduciary of the transaction
Note: The definitions above describe the essential function that the party
performs, rather than the party's title. So, for example, in a particular
transaction, the trustee may perform the "paying agent" and "securities
administrator" functions, while in another transaction, the securities
administrator may perform these functions.
Where there are multiple checks for criteria the attesting party will identify
in their management assertion that they are attesting only to the portion of the
distribution chain they are responsible for in the related transaction
agreements.
KEY: X - OBLIGATION
[X] - UNDER CONSIDERATION FOR OBLIGATION
------------------- ------------------------------------------- ------------ ----------- ----------------
▇▇▇▇▇
REG AB REFERENCE SERVICING CRITERIA SERVICER FARGO CUSTODIAN
------------------- ------------------------------------------- ------------ ----------- ----------------
GENERAL SERVICING CONSIDERATIONS
------------------- ------------------------------------------- ------------ ----------- ----------------
1122(d)(1)(i) Policies and procedures are instituted to X X
monitor any performance or other triggers
and events of default in accordance with
the transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
If any material servicing activities are X X
outsourced to third parties, policies and
procedures are instituted to monitor the
third party's performance and compliance
1122(d)(1)(ii) with such servicing activities.
------------------- ------------------------------------------- ------------ ----------- ----------------
Any requirements in the transaction
agreements to maintain a back-up servicer
1122(d)(1)(iii) for the Pool Assets are maintained.
------------------- ------------------------------------------- ------------ ----------- ----------------
A fidelity bond and errors and omissions X X
policy is in effect on the party
participating in the servicing function
throughout the reporting period in the
amount of coverage required by and
otherwise in accordance with the terms of
1122(d)(1)(iv) the transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
CASH COLLECTION AND ADMINISTRATION
------------------- ------------------------------------------- ------------ ----------- ----------------
Payments on pool assets are deposited X X
into the appropriate custodial bank
accounts and related bank clearing
accounts no more than two business days
following receipt, or such other number
of days specified in the transaction
1122(d)(2)(i) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Disbursements made via wire transfer on X X
behalf of an obligor or to an investor
1122(d)(2)(ii) are made only by authorized personnel.
------------------- ------------------------------------------- ------------ ----------- ----------------
Advances of funds or guarantees regarding X X
collections, cash flows or distributions,
and any interest or other fees charged
for such advances, are made, reviewed and
approved as specified in the transaction
1122(d)(2)(iii) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
The related accounts for the transaction, X X
such as cash reserve accounts or accounts
established as a form of over
collateralization, are separately
maintained (e.g., with respect to
commingling of cash) as set forth in the
1122(d)(2)(iv) transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Each custodial account is maintained at a X X
federally insured depository institution
as set forth in the transaction
agreements. For purposes of this
criterion, "federally insured depository
institution" with respect to a foreign
financial institution means a foreign
financial institution that meets the
requirements of Rule 13k-1(b)(1) of the
1122(d)(2)(v) Securities Exchange Act.
------------------- ------------------------------------------- ------------ ----------- ----------------
Unissued checks are safeguarded so as to X X
1122(d)(2)(vi) prevent unauthorized access.
------------------- ------------------------------------------- ------------ ----------- ----------------
Reconciliations are prepared on a monthly X X
basis for all asset-backed securities
related bank accounts, including
custodial accounts and related bank
clearing accounts. These reconciliations
are (A) mathematically accurate; (B)
prepared within 30 calendar days after
the bank statement cutoff date, or such
other number of days specified in the
transaction agreements; (C) reviewed and
approved by someone other than the person
who prepared the reconciliation; and (D)
contain explanations for reconciling
items. These reconciling items are
resolved within 90 calendar days of their
original identification, or such other
number of days specified in the
1122(d)(2)(vii) transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
INVESTOR REMITTANCES AND REPORTING
------------------- ------------------------------------------- ------------ ----------- ----------------
Reports to investors, including those to X X
be filed with the Commission, are
maintained in accordance with the
transaction agreements and applicable
Commission requirements. Specifically,
such reports (A) are prepared in
accordance with timeframes and other
terms set forth in the transaction
agreements; (B) provide information
calculated in accordance with the terms
specified in the transaction agreements;
(C) are filed with the Commission as
required by its rules and regulations;
and (D) agree with investors' or the
trustee's records as to the total unpaid
principal balance and number of Pool
1122(d)(3)(i) Assets serviced by the Servicer.
------------------- ------------------------------------------- ------------ ----------- ----------------
Amounts due to investors are allocated X X
and remitted in accordance with
timeframes, distribution priority and
other terms set forth in the transaction
1122(d)(3)(ii) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Disbursements made to an investor are X X
posted within two business days to the
Servicer's investor records, or such
other number of days specified in the
1122(d)(3)(iii) transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Amounts remitted to investors per the X X
investor reports agree with cancelled
checks, or other form of payment, or
1122(d)(3)(iv) custodial bank statements.
------------------- ------------------------------------------- ------------ ----------- ----------------
POOL ASSET ADMINISTRATION
------------------- ------------------------------------------- ------------ ----------- ----------------
Collateral or security on pool assets is X X
maintained as required by the transaction
agreements or related pool asset
1122(d)(4)(i) documents.
------------------- ------------------------------------------- ------------ ----------- ----------------
Pool assets and related documents are X X
safeguarded as required by the
1122(d)(4)(ii) transaction agreements
------------------- ------------------------------------------- ------------ ----------- ----------------
Any additions, removals or substitutions X
to the asset pool are made, reviewed and
approved in accordance with any conditions
or requirements in the transaction
1122(d)(4)(iii) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Payments on pool assets, including any X
payoffs, made in accordance with the
related pool asset documents are posted
to the Servicer's obligor records
maintained no more than two business days
after receipt, or such other number of
days specified in the transaction
agreements, and allocated to principal,
interest or other items (e.g., escrow) in
accordance with the related pool asset
1122(d)(4)(iv) documents.
------------------- ------------------------------------------- ------------ ----------- ----------------
The Servicer's records regarding the pool X
assets agree with the Servicer's records
with respect to an obligor's unpaid
1122(d)(4)(v) principal balance.
------------------- ------------------------------------------- ------------ ----------- ----------------
Changes with respect to the terms or X
status of an obligor's pool assets (e.g.,
loan modifications or re-agings) are made,
reviewed and approved by authorized
personnel in accordance with the
transaction agreements and related pool
1122(d)(4)(vi) asset documents.
------------------- ------------------------------------------- ------------ ----------- ----------------
Loss mitigation or recovery actions X
(e.g., forbearance plans, modifications
and deeds in lieu of foreclosure,
foreclosures and repossessions, as
applicable) are initiated, conducted and
concluded in accordance with the
timeframes or other requirements
established by the transaction
1122(d)(4)(vii) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Records documenting collection efforts X
are maintained during the period a pool
asset is delinquent in accordance with
the transaction agreements. Such records
are maintained on at least a monthly
basis, or such other period specified in
the transaction agreements, and describe
the entity's activities in monitoring
delinquent pool assets including, for
example, phone calls, letters and payment
rescheduling plans in cases where
delinquency is deemed temporary (e.g.,
1122(d)(4)(viii) illness or unemployment).
------------------- ------------------------------------------- ------------ ----------- ----------------
Adjustments to interest rates or rates of X
return for pool assets with variable rates
are computed based on the related pool
1122(d)(4)(ix) asset documents.
------------------- ------------------------------------------- ------------ ----------- ----------------
Regarding any funds held in trust for an X
obligor (such as escrow accounts): (A)
such funds are analyzed, in accordance
with the obligor's pool asset documents,
on at least an annual basis, or such
other period specified in the transaction
agreements; (B) interest on such funds is
paid, or credited, to obligors in
accordance with applicable pool asset
documents and state laws; and (C) such
funds are returned to the obligor within
30 calendar days of full repayment of the
related pool assets, or such other number
of days specified in the transaction
1122(d)(4)(x) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Payments made on behalf of an obligor X
(such as tax or insurance payments) are
made on or before the related penalty or
expiration dates, as indicated on the
appropriate bills or notices for such
payments, provided that such support has
been received by the servicer at least 30
calendar days prior to these dates, or
such other number of days specified in
1122(d)(4)(xi) the transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Any late payment penalties in connection X
with any payment to be made on behalf of
an obligor are paid from the Servicer's
funds and not charged to the obligor,
unless the late payment was due to the
1122(d)(4)(xii) obligor's error or omission.
------------------- ------------------------------------------- ------------ ----------- ----------------
Disbursements made on behalf of an obligor X
are posted within two business days to the
obligor's records maintained by the
servicer, or such other number of days
specified in the transaction
1122(d)(4)(xiii) agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Delinquencies, charge-offs and X X
uncollectible accounts are recognized and
recorded in accordance with the
1122(d)(4)(xiv) transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
Any external enhancement or other support, X
identified in Item 1114(a)(1) through (3)
or Item 1115 of Regulation AB, is
maintained as set forth in the
1122(d)(4)(xv) transaction agreements.
------------------- ------------------------------------------- ------------ ----------- ----------------
EXHIBIT P
FORM 10-D, FORM 8-K AND FORM 10-K
REPORTING RESPONSIBILITY
As to each item described below, the entity indicated as the Responsible Party
shall be primarily responsible for reporting the information to the Trust
Administrator pursuant to Section 4.07(a)(iv). If the Trust Administrator is
indicated below as to any item, then the Trust Administrator is primarily
responsible for obtaining that information.
Under Item 1 of Form 10-D: a) items marked "4.02 statement" are required to be
included in the periodic Distribution Date statement under Section 4.02,
provided by the Trust Administrator based on information received from the
Master Servicer; and b) items marked "Form 10-D report" are required to be in
the Form 10-D report but not the 4.02 statement, provided by the party
indicated. Information under all other Items of Form 10-D is to be included in
the Form 10-D report.
FORM ITEM DESCRIPTION RESPONSIBLE PARTY
------------ -------------------- ----------------------------------------------------------- --------------------------------
10-D MUST BE FILED WITHIN 15 DAYS OF THE DISTRIBUTION DATE.
------------ -------------------------------------------------------------------------------- --------------------------------
1 DISTRIBUTION AND POOL PERFORMANCE INFORMATION
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1121(A) - DISTRIBUTION AND POOL PERFORMANCE INFORMATION
------------ -------- ----------------------------------------------------------------------- --------------------------------
(1) Any applicable record dates, accrual dates, determination dates 4.02 statement
for calculating distributions and actual distribution dates for the
distribution period.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(2) Cash flows received and the sources thereof for distributions, 4.02 statement
fees and expenses.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(3) Calculated amounts and distribution of the flow of funds for the 4.02 statement
period itemized by type and priority of payment, including:
------------ -------- ----------------------------------------------------------------------- --------------------------------
(i) Fees or expenses accrued and paid, with an 4.02 statement
identification of the general purpose of such fees and the party
receiving such fees or expenses.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(ii) Payments accrued or paid with respect to enhancement or 4.02 statement
other support identified in Item 1114 of Regulation AB (such as
insurance premiums or other enhancement maintenance fees), with an
identification of the general purpose of such payments and the party
receiving such payments.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(iii) Principal, interest and other distributions accrued 4.02 statement
and paid on the asset-backed securities by type and by class or
series and any principal or interest shortfalls or carryovers.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(iv) The amount of excess cash flow or excess spread and the 4.02 statement
disposition of excess cash flow.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(4) Beginning and ending principal balances of the asset-backed 4.02 statement
securities.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(5) Interest rates applicable to the pool assets and the asset-backed 4.02 statement
securities, as applicable. Consider providing interest rate
information for pool assets in appropriate distributional groups or
incremental ranges.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(6) Beginning and ending balances of transaction accounts, such as 4.02 statement
reserve accounts, and material account activity during the period.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(7) Any amounts drawn on any credit enhancement or other support 4.02 statement
identified in Item 1114 of Regulation AB, as applicable, and the
amount of coverage remaining under any such enhancement, if known and
applicable.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(8) Number and amount of pool assets at the beginning and ending of 4.02 statement
each period, and updated pool composition information, such as
weighted average coupon, weighted average life, weighted average Updated pool composition
remaining term, pool factors and prepayment amounts. information fields to be as
specified by Depositor from
time to time
------------ -------- ----------------------------------------------------------------------- --------------------------------
(9) Delinquency and loss information for the period. 4.02 statement.
In addition, describe any material changes to the information
specified in Item 1100(b)(5) of Regulation AB regarding the pool Form 10-D report: Depositor
assets.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(10) Information on the amount, terms and general purpose of any 4.02 statement
advances made or reimbursed during the period, including the general
use of funds advanced and the general source of funds for
reimbursements.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(11) Any material modifications, extensions or waivers to pool asset 4.02 statement
terms, fees, penalties or payments during the distribution period or
that have cumulatively become material over time.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(12) Material breaches of pool asset representations or warranties or Form 10-D report:
transaction covenants. Servicer
------------ -------- ----------------------------------------------------------------------- --------------------------------
(13) Information on ratio, coverage or other tests used for 4.02 statement
determining any early amortization, liquidation or other performance
trigger and whether the trigger was met.
------------ -------- ----------------------------------------------------------------------- --------------------------------
(14) Information regarding any new issuance of asset-backed Form 10-D report: Depositor
securities backed by the same asset pool,
Form 10-D report: Depositor or
Information regarding] any pool asset changes (other than in Servicer
connection with a pool asset converting into cash in accordance with
its terms), such as additions or removals in connection with a
prefunding or revolving period and pool asset substitutions and
repurchases (and purchase rates, if applicable), and cash flows
available for future purchases, such as the balances of any
prefunding or revolving accounts, if applicable.
Form 10-D report: Depositor
Disclose any material changes in the solicitation, credit-granting,
underwriting, origination, acquisition or pool selection criteria or
procedures, as applicable, used to originate, acquire or select the
new pool assets.
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1121(B) - PRE-FUNDING OR REVOLVING PERIOD INFORMATION Depositor
Updated pool information as required under Item 1121(b).
------------ -------- ----------------------------------------------------------------------- --------------------------------
2 LEGAL PROCEEDINGS
------------ -------- ----------------------------------------------------------------------- --------------------------------
Item 1117 - Legal proceedings pending against the following entities, (i) All parties to the Pooling
or their respective property, that is material to Certificateholders, and Servicing Agreement (as to
including proceedings known to be contemplated by governmental themselves), (ii) the Trustee
authorities: and Master Servicer as to the
Seller Issuing entity and (iii) the
Depositor Depositor as to the Sponsor,
Trustee any 1110(b) originator and any
Issuing entity 1100(d)(i) party
Master Servicer
Originator
Custodian
------------ -------- ----------------------------------------------------------------------- --------------------------------
3 SALES OF SECURITIES AND USE OF PROCEEDS
------------ -------- ----------------------------------------------------------------------- --------------------------------
INFORMATION FROM ITEM 2(A) OF PART II OF FORM 10-Q:
With respect to any sale of securities by the sponsor, depositor or
issuing entity, that are backed by the same asset pool or are Depositor
otherwise issued by the issuing entity, whether or not registered,
provide the sales and use of proceeds information in Item 701 of
Regulation S-K. Pricing information can be omitted if securities
were not registered.
------------ -------- ----------------------------------------------------------------------- --------------------------------
4 DEFAULTS UPON SENIOR SECURITIES
------------ -------- ----------------------------------------------------------------------- --------------------------------
INFORMATION FROM ITEM 3 OF PART II OF FORM 10-Q:
Report the occurrence of any Event of Default (after expiration of
any grace period and provision of any required notice) Trust Administrator
------------ -------- ----------------------------------------------------------------------- --------------------------------
5 SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
------------ -------- ----------------------------------------------------------------------- --------------------------------
INFORMATION FROM ITEM 4 OF PART II OF FORM 10-Q Trustee
------------ -------- ----------------------------------------------------------------------- --------------------------------
6 SIGNIFICANT OBLIGORS OF POOL ASSETS
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1112(B) - SIGNIFICANT OBLIGOR FINANCIAL INFORMATION* Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
*This information need only be reported on the Form 10-D for the
distribution period in which updated information is required pursuant
to the Item.
------------ -------- ----------------------------------------------------------------------- --------------------------------
7 SIGNIFICANT ENHANCEMENT PROVIDER INFORMATION
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1114(B)(2) - CREDIT ENHANCEMENT PROVIDER FINANCIAL INFORMATION*
Determining applicable disclosure threshold
Obtaining required financial information or effecting incorporation Trust Administrator Depositor
by reference
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1115(B) - DERIVATIVE COUNTERPARTY FINANCIAL INFORMATION*
Determining current maximum probable exposure
Determining current significance percentage Trust Administrator
Obtaining required financial information or effecting incorporation
by reference Trust Administrator Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
*This information need only be reported on the Form 10-D for the
distribution period in which updated information is required pursuant
to the Items.
------------ -------- ----------------------------------------------------------------------- --------------------------------
8 OTHER INFORMATION
------------ -------- ----------------------------------------------------------------------- --------------------------------
DISCLOSE ANY INFORMATION REQUIRED TO BE REPORTED ON FORM 8-K DURING The Responsible Party for the
THE PERIOD COVERED BY THE FORM 10-D BUT NOT REPORTED applicable Form 8-K item as
indicated below
------------ -------- ----------------------------------------------------------------------- --------------------------------
9 EXHIBITS
------------ -------- ----------------------------------------------------------------------- --------------------------------
Distribution report Trust Administrator
------------ -------- ----------------------------------------------------------------------- --------------------------------
EXHIBITS REQUIRED BY ITEM 601 OF REGULATION S-K, SUCH AS MATERIAL Depositor
AGREEMENTS
------------ -------- ----------------------------------------------------------------------- --------------------------------
8-K MUST BE FILED WITHIN FOUR BUSINESS DAYS OF AN EVENT REPORTABLE ON FORM 8-K.
------------ -----------------------------------------------------------------------------------------------------------------
1.01 ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclosure is required regarding entry into or amendment of any Depositor
definitive agreement that is material to the securitization, even if
depositor is not a party.
Examples: servicing agreement, custodial agreement.
Note: disclosure not required as to definitive agreements that are
fully disclosed in the prospectus
------------ -------- ----------------------------------------------------------------------- --------------------------------
1.02 TERMINATION OF A MATERIAL DEFINITIVE AGREEMENT
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclosure is required regarding termination of any definitive Depositor
agreement that is material to the securitization (other than
expiration in accordance with its terms), even if depositor is not a
party.
Examples: servicing agreement, custodial agreement.
------------ -------- ----------------------------------------------------------------------- --------------------------------
1.03 BANKRUPTCY OR RECEIVERSHIP
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclosure is required regarding the bankruptcy or receivership, if Depositor
known to the Master Master Servicer, with respect to any of the
following:
Sponsor (Seller), Depositor, Master Servicer, Trustee, Cap Provicer,
Custodian
------------ -------- ----------------------------------------------------------------------- --------------------------------
2.04 TRIGGERING EVENTS THAT ACCELERATE OR INCREASE A DIRECT FINANCIAL
OBLIGATION OR AN OBLIGATION UNDER AN OFF-BALANCE SHEET ARRANGEMENT
------------ -------- ----------------------------------------------------------------------- --------------------------------
Includes an early amortization, performance trigger or other event, Depositor/ Trust Administrator
including event of default, that would materially alter the payment
priority/distribution of cash flows/amortization schedule.
Disclosure will be made of events other than waterfall triggers which
are disclosed in the 4.02 statement
------------ -------- ----------------------------------------------------------------------- --------------------------------
3.03 MATERIAL MODIFICATION TO RIGHTS OF SECURITY HOLDERS
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclosure is required of any material modification to documents Trust Administrator
defining the rights of Certificateholders, including the Pooling and
Servicing Agreement
------------ -------- ----------------------------------------------------------------------- --------------------------------
5.03 AMENDMENTS TO ARTICLES OF INCORPORATION OR BYLAWS; CHANGE IN FISCAL
YEAR
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclosure is required of any amendment "to the governing documents Depositor
of the issuing entity"
------------ -------- ----------------------------------------------------------------------- --------------------------------
5.06 CHANGE IN SHELL COMPANY STATUS
------------ -------- ----------------------------------------------------------------------- --------------------------------
[Not applicable to ABS issuers] Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
6.01 ABS INFORMATIONAL AND COMPUTATIONAL MATERIAL
------------ -------- ----------------------------------------------------------------------- --------------------------------
[Not included in reports to be filed under Section 4.07] Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
6.02 CHANGE OF MASTER SERVICER OR TRUSTEE
------------ -------- ----------------------------------------------------------------------- --------------------------------
Requires disclosure of any removal, replacement, substitution or Depositor or Servicer
addition of any master servicer, affiliated servicer, other servicer
servicing 10% or more of pool assets at time of report, other
material servicers, certificate administrator or trustee. Any
merger, consolidation or sale of substantially all of the assets of
the servicer, the servicer's engagement of any sub-servicer to
perform or assist in the performance of any of the servicer's
obligations under the agreement. Reg AB disclosure about any new
servicer or trustee is also required.
------------ -------- ----------------------------------------------------------------------- --------------------------------
6.03 CHANGE IN CREDIT ENHANCEMENT OR OTHER EXTERNAL SUPPORT
------------ -------- ----------------------------------------------------------------------- --------------------------------
Covers termination of any enhancement in manner other than by its Trust Administrator
terms, the addition of an enhancement, or a material change in the
enhancement provided. Applies to external credit enhancements as
well as derivatives. Regulation AB disclosure about any new
enhancement provider is also required.
------------ -------- ----------------------------------------------------------------------- --------------------------------
6.04 FAILURE TO MAKE A REQUIRED DISTRIBUTION Trust Administrator
------------ -------- ----------------------------------------------------------------------- --------------------------------
6.05 SECURITIES ACT UPDATING DISCLOSURE
------------ -------- ----------------------------------------------------------------------- --------------------------------
If any material pool characteristic differs by 5% or more at the time Depositor
of issuance of the securities from the description in the final
prospectus, provide updated Regulation AB disclosure about the actual
asset pool.
------------ -------- ----------------------------------------------------------------------- --------------------------------
If there are any new servicers or originators required to be Depositor
disclosed under Regulation AB as a result of the foregoing, provide
the information called for in Items 1108 and 1110 respectively.
------------ -------- ----------------------------------------------------------------------- --------------------------------
7.01 REGULATION FD DISCLOSURE Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
8.01 OTHER EVENTS
------------ -------- ----------------------------------------------------------------------- --------------------------------
Any event, with respect to which information is not otherwise called Depositor
for in Form 8-K, that the registrant deems of importance to security
holders.
------------ -------- ----------------------------------------------------------------------- --------------------------------
9.01 FINANCIAL STATEMENTS AND EXHIBITS The Responsible Party
applicable to reportable event
other than the Trustee)
------------ -------- ----------------------------------------------------------------------- --------------------------------
10-K MUST BE FILED WITHIN 90 DAYS OF THE FISCAL YEAR END FOR THE REGISTRANT.
------------ -----------------------------------------------------------------------------------------------------------------
9B OTHER INFORMATION
------------ -------- ----------------------------------------------------------------------- --------------------------------
Disclose any information required to be reported on Form 8-K during The Responsible Party for the
the fourth quarter covered by the Form 10-K but not reported applicable Form 8-K item as
indicated above
------------ -------- ----------------------------------------------------------------------- --------------------------------
15 EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1112(B) - SIGNIFICANT OBLIGOR FINANCIAL INFORMATION N/A
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1114(B)(2) - CREDIT ENHANCEMENT PROVIDER FINANCIAL INFORMATION
Determining applicable disclosure threshold
Obtaining required financial information or effecting incorporation Trust Administrator Depositor
by reference
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1115(B) - DERIVATIVE COUNTERPARTY FINANCIAL INFORMATION
Determining current maximum probable exposure
Determining current significance percentage Trust Administrator
Obtaining required financial information or effecting incorporation
by reference Trust Administrator Depositor
------------ -------- ----------------------------------------------------------------------- --------------------------------
Item 1119 - Affiliations and relationships between the following (i) All parties to the
entities, or their respective affiliates, that are material to Pooling and Servicing
Certificateholders: Agreement (as to themselves),
Seller (ii) the Depositor as to the
Depositor Sponsor, Originator,
Trustee Significant Obligor, Credit
Issuing entity Enhancer/Support Provider and
Master Servicer (iii) the Trustee and Master
Originator Servicer as to the Issuing
Custodian (only with respect to affiliations and relationships with entity
the Sponsor, Depositor or Issuing Entity)
Credit Enhancer/Support Provider, if any
Significant Obligor, if any
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1122 - ASSESSMENT OF COMPLIANCE WITH SERVICING CRITERIA Master Servicer
Trust Administrator
Custodian
------------ -------- ----------------------------------------------------------------------- --------------------------------
ITEM 1123 -SERVICER COMPLIANCE STATEMENT Master Servicer
------------ -------- ----------------------------------------------------------------------- --------------------------------
EXHIBIT Q
ADDITIONAL DISCLOSURE NOTIFICATION
**SEND VIA FAX TO [XXX-XXX-XXXX] AND VIA EMAIL TO [ ] AND VIA
OVERNIGHT MAIL TO THE ADDRESS IMMEDIATELY BELOW**
▇▇▇▇▇ Fargo Bank, N.A., as Trust Administrator
▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇
Attn: Corporate Trust Services- [DEAL NAME]--SEC REPORT PROCESSING
RE: **Additional Form [10-D][10-K][8-K] Disclosure** Required
Ladies and Gentlemen:
In accordance with Section [ ] of the Pooling and Servicing Agreement,
dated as of February 1, 2006, among Mortgage Asset Securitization Transactions,
Inc., ▇▇▇▇▇ Fargo Bank, N.A., JPMorgan Chase Bank, National Association and U.S.
Bank National Association, the undersigned, as [ ], hereby notifies you that
certain events have come to our attention that [will] [may] need to be disclosed
on Form [10-D][10-K][8-K].
Description of Additional Form [10-D][10-K][8-K] Disclosure:
List of any Attachments hereto to be included in the Additional Form
[10-D][10-K][8-K] Disclosure:
Any inquiries related to this notification should be directed to [ ],
phone number: [ ]; email address: [ ].
[NAME OF PARTY],
as [role]
By: __________________________
Name:
Title:
EXHIBIT R-1
FORM OF DELINQUENCY REPORT
-------------------------------------- -------------------------------------------------- --------- -------------
COLUMN/HEADER NAME DESCRIPTION DECIMAL FORMAT
COMMENT
-------------------------------------- -------------------------------------------------- --------- -------------
SERVICER_LOAN_NBR A unique number assigned to a loan by the
Servicer. This may be different than the
LOAN_NBR
-------------------------------------- -------------------------------------------------- --------- -------------
LOAN_NBR A unique identifier assigned to each loan by the
originator.
-------------------------------------- -------------------------------------------------- --------- -------------
CLIENT_NBR Servicer Client Number
-------------------------------------- -------------------------------------------------- --------- -------------
SERV_INVESTOR_NBR Contains a unique number as assigned by
an external servicer to identify a group
of loans in their system.
-------------------------------------- -------------------------------------------------- --------- -------------
BORROWER_FIRST_NAME First Name of the Borrower.
-------------------------------------- -------------------------------------------------- --------- -------------
BORROWER_LAST_NAME Last name of the borrower.
-------------------------------------- -------------------------------------------------- --------- -------------
▇▇▇▇_▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Name and Number of Property
-------------------------------------- -------------------------------------------------- --------- -------------
PROP_STATE The state where the property located.
-------------------------------------- -------------------------------------------------- --------- -------------
PROP_ZIP Zip code where the property is located.
-------------------------------------- -------------------------------------------------- --------- -------------
BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment
is due MM/DD/YYYY to the servicer at the
end of processing cycle, as reported by
Servicer.
-------------------------------------- -------------------------------------------------- --------- -------------
LOAN_TYPE Loan Type (i.e. FHA, VA, Conv)
-------------------------------------- -------------------------------------------------- --------- -------------
BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed. MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed.
-------------------------------------- -------------------------------------------------- --------- -------------
BANKRUPTCY_CASE_NBR The case number assigned by the court to the
bankruptcy filing.
-------------------------------------- -------------------------------------------------- --------- -------------
POST_PETITION_DUE_DATE The payment due date once the bankruptcy has MM/DD/YYYY
been approved by the courts
-------------------------------------- -------------------------------------------------- --------- -------------
BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. MM/DD/YYYY
Either by Dismissal, Discharged and/or a Motion
For Relief Was Granted.
-------------------------------------- -------------------------------------------------- --------- -------------
LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The MM/DD/YYYY
Servicer
-------------------------------------- -------------------------------------------------- --------- -------------
LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan
Such As;
-------------------------------------- -------------------------------------------------- --------- -------------
LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled MM/DD/YYYY
To End/Close
-------------------------------------- -------------------------------------------------- --------- -------------
LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually MM/DD/YYYY
Completed
-------------------------------------- -------------------------------------------------- --------- -------------
FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the
servicer MM/DD/YYYY with instructions to
begin foreclosure proceedings.
-------------------------------------- -------------------------------------------------- --------- -------------
ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue MM/DD/YYYY
Foreclosure
-------------------------------------- -------------------------------------------------- --------- -------------
FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a MM/DD/YYYY
Foreclosure Action
-------------------------------------- -------------------------------------------------- --------- -------------
FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected MM/DD/YYYY
to occur.
-------------------------------------- -------------------------------------------------- --------- -------------
FRCLSR_SALE_DATE The actual date of the foreclosure sale. MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
FRCLSR_SALE_AMT The amount a property sold for at the 2 No
foreclosure sale. commas(,)
or dollar
signs ($)
-------------------------------------- -------------------------------------------------- --------- -------------
EVICTION_START_DATE The date the servicer initiates eviction of the MM/DD/YYYY
borrower.
-------------------------------------- -------------------------------------------------- --------- -------------
EVICTION_COMPLETED_DATE The date the court revokes legal
possession of MM/DD/YYYY the property
from the borrower.
-------------------------------------- -------------------------------------------------- --------- -------------
LIST_PRICE The price at which an REO property is marketed. 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
LIST_DATE The date an REO property is listed at a MM/DD/YYYY
particular price.
-------------------------------------- -------------------------------------------------- --------- -------------
OFFER_AMT The dollar value of an offer for an REO property. 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
OFFER_DATE_TIME The date an offer is received by DA Admin or by MM/DD/YYYY
the Servicer.
-------------------------------------- -------------------------------------------------- --------- -------------
REO_CLOSING_DATE The date the REO sale of the property is MM/DD/YYYY
scheduled to close.
-------------------------------------- -------------------------------------------------- --------- -------------
REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
OCCUPANT_CODE Classification of how the property is occupied.
-------------------------------------- -------------------------------------------------- --------- -------------
PROP_CONDITION_CODE A code that indicates the condition of the
property.
-------------------------------------- -------------------------------------------------- --------- -------------
PROP_INSPECTION_DATE The date a property inspection is performed. MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
APPRAISAL_DATE The date the appraisal was done. MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
CURR_PROP_VAL The current "as is" value of the property based 2
on brokers price opinion or appraisal.
-------------------------------------- -------------------------------------------------- --------- -------------
REPAIRED_PROP_VAL The amount the property would be worth if 2
repairs are completed pursuant to a broker's
price opinion or appraisal.
-------------------------------------- -------------------------------------------------- --------- -------------
IF APPLICABLE:
-------------------------------------- -------------------------------------------------- --------- -------------
DELINQ_STATUS_CODE FNMA Code Describing Status of Loan
-------------------------------------- -------------------------------------------------- --------- -------------
DELINQ_REASON_CODE The circumstances which caused a borrower
to stop paying on a loan. Code indicates
the reason why the loan is in default for
this cycle.
-------------------------------------- -------------------------------------------------- --------- -------------
MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With MM/DD/YYYY
Mortgage Insurance Company.
-------------------------------------- -------------------------------------------------- --------- -------------
MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim MM/DD/YYYY
Payment
-------------------------------------- -------------------------------------------------- --------- -------------
MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued MM/DD/YYYY
By The Pool Insurer
-------------------------------------- -------------------------------------------------- --------- -------------
POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_A_CLAIM_FILED_DATE Date FHA Part A Claim Was Filed With HUD MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_A_CLAIM_AMT Amount of FHA Part A Claim Filed 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_A_CLAIM_PAID_DATE Date HUD Disbursed Part A Claim Payment MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_A_CLAIM_PAID_AMT Amount HUD Paid on Part A Claim 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_B_CLAIM_FILED_DATE Date FHA Part B Claim Was Filed With HUD MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_B_CLAIM_AMT Amount of FHA Part B Claim Filed 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_B_CLAIM_PAID_DATE Date HUD Disbursed Part B Claim Payment MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
FHA_PART_B_CLAIM_PAID_AMT Amount HUD Paid on Part B Claim 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
VA_CLAIM_FILED_DATE Date VA Claim Was Filed With the Veterans Admin MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
VA_CLAIM_PAID_DATE Date Veterans Admin. Disbursed VA Claim Payment MM/DD/YYYY
-------------------------------------- -------------------------------------------------- --------- -------------
VA_CLAIM_PAID_AMT Amount Veterans Admin. Paid on VA Claim 2 No
commas(,)
or
dollar
signs
($)
-------------------------------------- -------------------------------------------------- --------- -------------
EXHIBIT 2: STANDARD FILE CODES - DELINQUENCY REPORTING
The LOSS MIT TYPE field should show the approved Loss Mitigation Code as
follows:
o ASUM- Approved Assumption
o BAP- Borrower Assistance Program
o CO- Charge Off
o DIL- Deed-in-Lieu
o FFA- Formal Forbearance Agreement
o MOD- Loan Modification
o PRE- Pre-Sale
o SS- Short Sale
o MISC- Anything else approved by the PMI or Pool Insurer
NOTE: ▇▇▇▇▇ Fargo Bank will accept alternative Loss Mitigation Types to those
above, provided that they are consistent with industry standards. If Loss
Mitigation Types other than those above are used, the Servicer must supply ▇▇▇▇▇
Fargo Bank with a description of each of the Loss Mitigation Types prior to
sending the file.
The OCCUPANT CODE field should show the current status of the property code as
follows:
o Mortgagor
o Tenant
o Unknown
o Vacant
The PROPERTY CONDITION field should show the last reported condition of the
property as follows:
o Damaged
o Excellent
o Fair
o Gone
o Good
o Poor
o Special Hazard
o Unknown
EXHIBIT 2: STANDARD FILE CODES - DELINQUENCY REPORTING, CONTINUED
The FNMA DELINQUENT REASON CODE field should show the Reason for Delinquency as
follows:
--------------------------------------------------------
DELINQUENCY CODE DELINQUENCY DESCRIPTION
---------------- ---------------------------------------
001 FNMA-Death of principal mortgagor
---------------- ---------------------------------------
002 FNMA-Illness of principal mortgagor
---------------- ---------------------------------------
003 FNMA-Illness of mortgagor's family
member
---------------- ---------------------------------------
004 FNMA-Death of mortgagor's family
member
---------------- ---------------------------------------
005 FNMA-Marital difficulties
---------------- ---------------------------------------
006 FNMA-Curtailment of income
---------------- ---------------------------------------
007 FNMA-Excessive Obligation
---------------- ---------------------------------------
008 FNMA-Abandonment of property
---------------- ---------------------------------------
009 FNMA-Distant employee transfer
---------------- ---------------------------------------
011 FNMA-Property problem
---------------- ---------------------------------------
012 FNMA-Inability to sell property
---------------- ---------------------------------------
013 FNMA-Inability to rent property
---------------- ---------------------------------------
014 FNMA-Military Service
---------------- ---------------------------------------
015 FNMA-Other
---------------- ---------------------------------------
016 FNMA-Unemployment
---------------- ---------------------------------------
017 FNMA-Business failure
---------------- ---------------------------------------
019 FNMA-Casualty loss
---------------- ---------------------------------------
022 FNMA-Energy environment costs
---------------- ---------------------------------------
023 FNMA-Servicing problems
---------------- ---------------------------------------
026 FNMA-Payment adjustment
---------------- ---------------------------------------
027 FNMA-Payment dispute
---------------- ---------------------------------------
029 FNMA-Transfer of ownership pending
---------------- ---------------------------------------
030 FNMA-Fraud
---------------- ---------------------------------------
031 FNMA-Unable to contact borrower
---------------- ---------------------------------------
INC FNMA-Incarceration
--------------------------------------------------------
EXHIBIT 2: STANDARD FILE CODES - DELINQUENCY REPORTING, CONTINUED
The FNMA DELINQUENT STATUS CODE field should show the Status of Default as
follows:
-------------------------------------------------------
STATUS CODE STATUS DESCRIPTION
---------------- --------------------------------------
09 Forbearance
---------------- --------------------------------------
17 Pre-foreclosure Sale Closing Plan
Accepted
---------------- --------------------------------------
24 Government Seizure
---------------- --------------------------------------
26 Refinance
---------------- --------------------------------------
27 Assumption
---------------- --------------------------------------
28 Modification
---------------- --------------------------------------
29 Charge-Off
---------------- --------------------------------------
30 Third Party Sale
---------------- --------------------------------------
31 Probate
---------------- --------------------------------------
32 Military Indulgence
---------------- --------------------------------------
43 Foreclosure Started
---------------- --------------------------------------
44 Deed-in-Lieu Started
---------------- --------------------------------------
49 Assignment Completed
---------------- --------------------------------------
61 Second Lien Considerations
---------------- --------------------------------------
62 Veteran's Affairs-No Bid
---------------- --------------------------------------
63 Veteran's Affairs-Refund
---------------- --------------------------------------
64 Veteran's Affairs-Buydown
---------------- --------------------------------------
65 Chapter 7 Bankruptcy
---------------- --------------------------------------
66 Chapter 11 Bankruptcy
---------------- --------------------------------------
67 Chapter 13 Bankruptcy
-------------------------------------------------------
EXHIBIT R-2
FORM OF MONTHLY REMITTANCE ADVICE
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
COLUMN NAME DESCRIPTION DECIMAL FORMAT COMMENT MAX
SIZE
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SER_INVESTOR_NBR A value assigned by the Servicer to Text up to 10 digits 20
define a group of loans.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
LOAN_NBR A unique identifier assigned to each Text up to 10 digits 10
loan by the investor.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERVICER_LOAN_NBR A unique number assigned to a loan by Text up to 10 digits 10
the Servicer. This may be different
than the LOAN_NBR.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
BORROWER_NAME The borrower name as received in the Maximum length of 30 (Last, First) 30
file. It is not separated by first and
last name.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SCHED_PAY_AMT Scheduled monthly principal and 2 No commas(,) or dollar signs ($) 11
scheduled interest payment that a
borrower is expected to pay, P&I
constant.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
NOTE_INT_RATE The loan interest rate as reported by 4 Max length of 6 6
the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
NET_INT_RATE The loan gross interest rate less the 4 Max length of 6 6
service fee rate as reported by the
Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_FEE_RATE The servicer's fee rate for a loan as 4 Max length of 6 6
reported by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_FEE_AMT The servicer's fee amount for a loan as 2 No commas(,) or dollar signs ($) 11
reported by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
NEW_PAY_AMT The new loan payment amount as reported 2 No commas(,) or dollar signs ($) 11
by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
NEW_LOAN_RATE The new loan rate as reported by the 4 Max length of 6 6
Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
ARM_INDEX_RATE The index the Servicer is using to 4 Max length of 6 6
calculate a forecasted rate.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
ACTL_BEG_PRIN_BAL The borrower's actual principal balance 2 No commas(,) or dollar signs ($) 11
at the beginning of the processing cycle.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
ACTL_END_PRIN_BAL The borrower's actual principal balance 2 No commas(,) or dollar signs ($) 11
at the end of the processing cycle.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
BORR_NEXT_PAY_DUE_DATE The date at the end of processing cycle MM/DD/YYYY 10
that the borrower's next payment is due
to the Servicer, as reported by Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_AMT_1 The first curtailment amount to be 2 No commas(,) or dollar signs ($) 11
applied.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_DATE_1 The curtailment date associated with the MM/DD/YYYY 10
first curtailment amount.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
CURT_ADJ_ AMT_1 The curtailment interest on the first 2 No commas(,) or dollar signs ($) 11
curtailment amount, if applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_AMT_2 The second curtailment amount to be 2 No commas(,) or dollar signs ($) 11
applied.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_DATE_2 The curtailment date associated with the MM/DD/YYYY 10
second curtailment amount.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
CURT_ADJ_ AMT_2 The curtailment interest on the second 2 No commas(,) or dollar signs ($) 11
curtailment amount, if applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_AMT_3 The third curtailment amount to be 2 No commas(,) or dollar signs ($) 11
applied.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SERV_CURT_DATE_3 The curtailment date associated with the MM/DD/YYYY 10
third curtailment amount.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
CURT_ADJ_AMT_3 The curtailment interest on the third 2 No commas(,) or dollar signs ($) 11
curtailment amount, if applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
PIF_AMT The loan "paid in full" amount as 2 No commas(,) or dollar signs ($) 11
reported by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
PIF_DATE The paid in full date as reported by the MM/DD/YYYY 10
Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
Action Code Key: 15=Bankruptcy, 2
▇▇▇▇▇▇▇▇▇▇▇▇▇▇, , ▇▇▇▇▇▇,
63=Substitution,
65=Repurchase,70=REO
ACTION_CODE The standard FNMA numeric code used to indicate
the default/delinquent status of a particular
loan.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
INT_ADJ_AMT The amount of the interest adjustment as 2 No commas(,) or dollar signs ($) 11
reported by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SOLDIER_SAILOR_ADJ_AMT The Soldier and Sailor Adjustment 2 No commas(,) or dollar signs ($) 11
amount, if applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
NON_ADV_LOAN_AMT The Non Recoverable Loan Amount, if 2 No commas(,) or dollar signs ($) 11
applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
LOAN_LOSS_AMT The amount the Servicer is passing as a 2 No commas(,) or dollar signs ($) 11
loss, if applicable.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SCHED_BEG_PRIN_BAL The scheduled outstanding principal 2 No commas(,) or dollar signs ($) 11
amount due at the beginning of the cycle
date to be passed through to investors.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SCHED_END_PRIN_BAL The scheduled principal balance due to 2 No commas(,) or dollar signs ($) 11
investors at the end of a processing
cycle.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SCHED_PRIN_AMT The scheduled principal amount as 2 No commas(,) or dollar signs ($) 11
reported by the Servicer for the current
cycle -- only applicable for
Scheduled/Scheduled Loans.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
SCHED_NET_INT The scheduled gross interest amount less 2 No commas(,) or dollar signs ($) 11
the service fee amount for the current
cycle as reported by the Servicer -- only
applicable for Scheduled/Scheduled Loans.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
ACTL_PRIN_AMT The actual principal amount collected by 2 No commas(,) or dollar signs ($) 11
the Servicer for the current reporting
cycle -- only applicable for
Actual/Actual Loans.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
ACTL_NET_INT The actual gross interest amount less the 2 No commas(,) or dollar signs ($) 11
service fee amount for the current
reporting cycle as reported by the
Servicer -- only applicable for
Actual/Actual Loans.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
PREPAY_PENALTY_ AMT The penalty amount received when a 2 No commas(,) or dollar signs ($) 11
borrower prepays on his loan as reported
by the Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
PREPAY_PENALTY_ WAIVED The prepayment penalty amount for the 2 No commas(,) or dollar signs ($) 11
loan waived by the servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
MOD_DATE The Effective Payment Date of the MM/DD/YYYY 10
Modification for the loan.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
MOD_TYPE The Modification Type. Varchar - value can be alpha or 30
numeric
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
DELINQ_P&I_ADVANCE_AMT The current outstanding principal and 2 No commas(,) or dollar signs ($) 11
interest advances made by Servicer.
------------------------------- ------------------------------------------ ------- ------------------------------------ -------
EXHIBIT R-3
FORM OF REALIZED LOSS REPORT
CALCULATION OF REALIZED LOSS/GAIN FORM 332- INSTRUCTION SHEET
NOTE: DO NOT NET OR COMBINE ITEMS. SHOW ALL EXPENSES INDIVIDUALLY AND
ALL CREDITS AS SEPARATE LINE ITEMS. CLAIM PACKAGES ARE DUE ON THE
REMITTANCE REPORT DATE. LATE SUBMISSIONS MAY RESULT IN CLAIMS NOT
BEING PASSED UNTIL THE FOLLOWING MONTH. THE SERVICER IS RESPONSIBLE TO
REMIT ALL FUNDS PENDING LOSS APPROVAL AND /OR RESOLUTION OF ANY
DISPUTED ITEMS.
2.
3. The numbers on the 332 form correspond with the numbers listed
below.
LIQUIDATION AND ACQUISITION EXPENSES:
1. The Actual Unpaid Principal Balance of the Mortgage Loan. For
documentation, an Amortization Schedule from date of default through
liquidation breaking out the net interest and servicing fees
advanced is required.
2. The Total Interest Due less the aggregate amount of servicing fee
that would have been earned if all delinquent payments had been made
as agreed. For documentation, an Amortization Schedule from date of
default through liquidation breaking out the net interest and
servicing fees advanced is required.
3. Accrued Servicing Fees based upon the Scheduled Principal Balance of
the Mortgage Loan as calculated on a monthly basis. For
documentation, an Amortization Schedule from date of default through
liquidation breaking out the net interest and servicing fees
advanced is required.
4-12. Complete as applicable. Required documentation:
* For taxes and insurance advances - see page 2 of 332 form -
breakdown required showing period
of coverage, base tax, interest, penalty. Advances prior to
default require evidence of servicer efforts to recover advances.
* For escrow advances - complete payment history
(to calculate advances from last positive escrow balance
forward)
* Other expenses - copies of corporate advance history showing
all payments
* REO repairs > $1500 require explanation
* REO repairs >$3000 require evidence of at least 2 bids.
* Short Sale or Charge Off require P&L supporting the decision and
WFB's approved Officer Certificate
* Unusual or extraordinary items may require further documentation.
13. The total of lines 1 through 12.
4. CREDITS:
14-21. Complete as applicable. Required documentation:
* Copy of the HUD 1 from the REO sale. If a 3rd Party Sale, bid
instructions and Escrow Agent / Attorney
Letter of Proceeds Breakdown.
* Copy of EOB for any MI or gov't guarantee
* All other credits need to be clearly defined on the 332
form
22. The total of lines 14 through 21.
Please Note: For HUD/VA loans, use line (18a) for Part A/Initial proceeds
and line (18b) for Part B/Supplemental proceeds.
TOTAL REALIZED LOSS (OR AMOUNT OF ANY GAIN)
23. The total derived from subtracting line 22 from 13. If the amount
represents a realized gain, show the amount in parenthesis ( ).
EXHIBIT 3A: CALCULATION OF REALIZED LOSS/GAIN FORM 332
Prepared by: __________________ Date: _______________
Phone: ______________________ Email Address:_____________________
------------------------ -------------------------- --------------------------
Servicer Loan No. Servicer Name Servicer Address
------------------------ -------------------------- --------------------------
▇▇▇▇▇ FARGO BANK, N.A. LOAN NO._____________________________
Borrower's Name: ____________________________________________________
Property Address: ____________________________________________________
LIQUIDATION TYPE: REO SALE 3RD PARTY SALE SHORT SALE CHARGE OFF
WAS THIS LOAN GRANTED A BANKRUPTCY DEFICIENCY OR CRAMDOWN YES NO
If "Yes", provide deficiency or cramdown amount __________________________
LIQUIDATION AND ACQUISITION EXPENSES:
(1) Actual Unpaid Principal Balance of Mortgage Loan $ ______________ (1)
(2) Interest accrued at Net Rate ________________ (2)
(3) Accrued Servicing Fees ________________ (3)
(4) Attorney's Fees ________________ (4)
(5) Taxes (see page 2) ________________ (5)
(6) Property Maintenance ________________ (6)
(7) MI/Hazard Insurance Premiums (see page 2) ________________ (7)
(8) Utility Expenses ________________ (8)
(9) Appraisal/BPO ________________ (9)
(10) Property Inspections ________________ (10)
(11) FC Costs/Other Legal Expenses ________________ (11)
(12) Other (itemize) ________________ (12)
Cash for Keys__________________________ ________________ (12)
HOA/Condo Fees_______________________ ________________ (12)
______________________________________ ________________ (12)
TOTAL EXPENSES $ ______________ (13)
CREDITS:
(14) Escrow Balance $ ______________ (14)
(15) HIP Refund ________________ (15)
(16) Rental Receipts ________________ (16)
(17) Hazard Loss Proceeds ________________ (17)
(18) Primary Mortgage Insurance / Gov't Insurance ________________ (18a) HUD
Part A
________________ (18b) HUD
Part B
(19) Pool Insurance Proceeds ________________ (19)
(20) Proceeds from Sale of Acquired Property ________________ (20)
(21) Other (itemize) ________________ (21)
_________________________________________ ________________ (21)
TOTAL CREDITS $________________ (22)
TOTAL REALIZED LOSS (OR AMOUNT OF GAIN) $________________ (23)
ESCROW DISBURSEMENT DETAIL
------------------------------------------------------------------------------------
TYPE DATE PAID PERIOD OF TOTAL PAID BASE AMOUNT PENALTIES INTEREST
COVERAGE
(TAX /INS.)
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------- ----------- ---------- ----- ---- ---- ------- ----------- -----------
------------------------------------------------------------------------------------
EXHIBIT S
---------------------------------------------------------------------------- -------- ------------- --------
STANDARD FILE LAYOUT - TRUSTEE
---------------------------------------------------------------------------- -------- ------------- --------
COLUMN NAME DESCRIPTION DECIMAL COMMENT MAX
SIZE
------------------------------- -------------------------------------------- -------- ------------- --------
LOAN_NBR A unique identifier assigned to each loan Text up to 10
by the originator. 10 digits
------------------------------- -------------------------------------------- -------- ------------- --------
SER_INVESTOR_NBR A value assigned by the Servicer to define Text up to 20
a group of loans. 10 digits
------------------------------- -------------------------------------------- -------- ------------- --------
SERVICER_LOAN_NBR A unique number assigned to a loan by the Text up to 10
Servicer. This may be different than the 10 digits
LOAN_NBR.
------------------------------- -------------------------------------------- -------- ------------- --------
BORR_NEXT _PAY_DUE_DATE The date at the end of processing cycle MM/DD/YYYY 10
that the Borrower's next payment is due to
the Servicer, as reported by Servicer.
------------------------------- -------------------------------------------- -------- ------------- --------
NOTE_INT_RATE The loan interest rate as reported by the 4 Max length 6
Servicer. of 6
------------------------------- -------------------------------------------- -------- ------------- --------
ACTL_END _PRIN_BAL The Borrower's actual principal balance at 2 No 11
the end of the processing cycle. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SCHED_END_PRIN_BAL The scheduled principal balance due to the 2 No 11
investors at the end of a processing cycle. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
ACTL_BEG _PRIN_BAL The Borrower's actual principal balance at 2 No 11
the beginning of the processing cycle. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SCHED_BEG_PRIN_BAL The scheduled outstanding principal amount 2 No 11
due at the beginning of the cycle date to commas(,)
be passed through to the investors. or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SCHED_PAY_AMT The scheduled monthly principal and 2 No 11
scheduled interest payment that a Borrower commas(,)
is expected to pay; P&I constant. or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SCHED_PRIN_ AMT The scheduled principal amount as reported 2 No 11
by the Servicer for the current cycle. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SERV_CURT _AMT_1 The first curtailment amount to be applied. 2 No 11
commas(,)
or
dollar
signs
($)
------------------------------- -------------------------------------------- -------- ------------- --------
SERV_CURT _AMT_2 The second curtailment amount to be 2 No 11
applied. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SERV_CURT _AMT_3 The third curtailment amount to be applied. 2 No 11
commas(,)
or
dollar
signs
($)
------------------------------- -------------------------------------------- -------- ------------- --------
The standard FNMA numeric code used to Action Code 2
indicate the default/delinquent status of Key:
a particular loan. 15=Bankruptcy,
ACTION_CODE ▇▇▇▇▇▇▇▇▇▇▇▇▇▇,
▇▇▇▇▇▇,
▇▇▇▇▇▇, 63=
Substitution,
65=Repurchase;
------------------------------- -------------------------------------------- -------- ------------- --------
PIF_AMT The loan "paid in full" amount as reported 2 No 11
by the Servicer. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
PIF_DATE The paid in full date as reported by the MM/DD/YYYY 10
Servicer.
------------------------------- -------------------------------------------- -------- ------------- --------
SCHED_GROSS_INTEREST_AMT The amount of interest due on the 2 No 11
outstanding scheduled principal balance in commas(,)
the current cycle. or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
LOAN_FEE_AMT The monthly loan fee amount expressed in 2 No 11
dollars and cents. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SERV_FEE_RATE The Servicer's fee rate for a loan as 4 Max length 6
reported by the Servicer. of 6
------------------------------- -------------------------------------------- -------- ------------- --------
CR_LOSS_AMT The amount of loss that is classified as a 2 No 11
credit. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
FRAUD_LOSS_AMT The amount of loss that is attributable to 2 No 11
a fraud claim. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
BANKRUPTCY_LOSS_AMT The amount of loss due to bankruptcy. 2 No 11
commas(,)
or
dollar
signs
($)
------------------------------- -------------------------------------------- -------- ------------- --------
SPH_LOSS_AMT The amount of loss that is classified as a 2 No 11
special hazard. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
PREPAY_PENALTY_ AMT The penalty amount received when a 2 No 11
Borrower prepays on his loan as reported commas(,)
by the Servicer. or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
PREPAY_PENALTY_ WAIVED The prepayment penalty amount for the loan 2 No 11
waived by the Servicer. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
MOD_DATE The effective payment date of the MM/DD/YYYY 10
modification for the loan.
------------------------------- -------------------------------------------- -------- ------------- --------
MOD_TYPE The modification type. Varchar - 30
value can
be alpha or
numeric
------------------------------- -------------------------------------------- -------- ------------- --------
DELINQ_P&I_ADVANCE_AMT The current outstanding principal and 2 No 11
interest advances made by the Servicer. commas(,)
or dollar
signs ($)
------------------------------- -------------------------------------------- -------- ------------- --------
SCHEDULE 1
MORTGAGE LOAN SCHEDULE
Loan Number Product Types Arm/Fixed Amortization
----------- ------------- --------- ------------
1 2/6 MONTH LIBOR Arm Interest In Arrears
2 2/6 MONTH LIBOR Arm Interest In Arrears
3 2/6 MONTH LIBOR Arm Interest In Arrears
4 2/6 MONTH LIBOR Arm Interest In Arrears
5 2/6 MONTH LIBOR Arm Interest In Arrears
6 30YR FXD Fixed Interest In Arrears
7 30YR FXD Fixed Interest In Arrears
8 2/6 MONTH LIBOR Arm Interest In Arrears
9 2/6 MONTH LIBOR Arm Interest In Arrears
10 2/6 MONTH LIBOR Arm Interest In Arrears
11 2/6 MONTH LIBOR Arm Interest In Arrears
12 2/6 MONTH LIBOR Arm Interest In Arrears
13 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
14 15YR BALLOON Fixed Interest In Arrears
15 2/6 MONTH LIBOR Arm Interest In Arrears
16 2/6 MONTH LIBOR Arm Interest In Arrears
17 3/6 MONTH LIBOR Arm Interest In Arrears
18 30YR FXD Fixed Interest In Arrears
19 3/6 MONTH LIBOR Arm Interest In Arrears
20 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
21 2/6 MONTH LIBOR Arm Interest In Arrears
22 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
23 2/6 MONTH LIBOR Arm Interest In Arrears
24 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
25 15YR BALLOON Fixed Interest In Arrears
26 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
27 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
28 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
29 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
30 2/6 MONTH LIBOR Arm Interest In Arrears
31 15YR BALLOON Fixed Interest In Arrears
32 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
33 15YR BALLOON Fixed Interest In Arrears
34 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
35 15YR BALLOON Fixed Interest In Arrears
36 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
37 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
38 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
39 15YR BALLOON Fixed Interest In Arrears
40 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
41 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
42 15YR BALLOON Fixed Interest In Arrears
43 2/6 MONTH LIBOR Arm Interest In Arrears
44 2/6 MONTH LIBOR Arm Interest In Arrears
45 2/6 MONTH LIBOR Arm Interest In Arrears
46 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
47 2/6 MONTH LIBOR Arm Interest In Arrears
48 2/6 MONTH LIBOR Arm Interest In Arrears
49 3/6 MONTH LIBOR Arm Interest In Arrears
50 2/6 MONTH LIBOR Arm Interest In Arrears
51 2/6 MONTH LIBOR Arm Interest In Arrears
52 30YR FXD Fixed Interest In Arrears
53 30YR FXD Fixed Interest In Arrears
54 30YR FXD Fixed Interest In Arrears
55 2/6 MONTH LIBOR Arm Interest In Arrears
56 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
57 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
58 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
59 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
60 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
61 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
62 15YR BALLOON Fixed Interest In Arrears
63 2/6 MONTH LIBOR Arm Interest In Arrears
64 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
65 2/6 MONTH LIBOR Arm Interest In Arrears
66 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
67 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
68 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
69 2/6 MONTH LIBOR Arm Interest In Arrears
70 15YR BALLOON Fixed Interest In Arrears
71 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
72 2/6 MONTH LIBOR Arm Interest In Arrears
73 30YR FXD Fixed Interest In Arrears
74 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
75 15YR BALLOON Fixed Interest In Arrears
76 30YR FXD Fixed Interest In Arrears
77 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
78 2/6 MONTH LIBOR Arm Interest In Arrears
79 30YR FXD Fixed Interest In Arrears
80 2/6 MONTH LIBOR Arm Interest In Arrears
81 2/6 MONTH LIBOR Arm Interest In Arrears
82 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
83 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
84 15YR BALLOON Fixed Interest In Arrears
85 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
86 2/6 MONTH LIBOR Arm Interest In Arrears
87 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
88 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
89 15YR FXD Fixed Interest In Arrears
90 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
91 15YR BALLOON Fixed Interest In Arrears
92 15YR BALLOON Fixed Interest In Arrears
93 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
94 2/6 MONTH LIBOR Arm Interest In Arrears
95 2/6 MONTH LIBOR Arm Interest In Arrears
96 15YR BALLOON Fixed Interest In Arrears
97 15YR BALLOON Fixed Interest In Arrears
98 2/6 MONTH LIBOR Arm Interest In Arrears
99 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
101 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
106 30YR FXD Fixed Interest In Arrears
107 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
108 15YR BALLOON Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
110 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
111 15YR BALLOON Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
113 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
114 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
116 30YR FXD Fixed Interest In Arrears
117 2/6 MONTH LIBOR Arm Interest In Arrears
118 6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
122 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
128 15YR BALLOON Fixed Interest In Arrears
129 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
130 15YR BALLOON Fixed Interest In Arrears
131 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
137 30YR FXD Fixed Interest In Arrears
138 30YR FXD Fixed Interest In Arrears
139 30YR FXD Fixed Interest In Arrears
140 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
142 15YR BALLOON Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
144 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
145 15YR BALLOON Fixed Interest In Arrears
146 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
153 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
154 30YR FXD Fixed Interest In Arrears
155 30YR FXD Fixed Interest In Arrears
156 30YR FXD Fixed Interest In Arrears
157 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
158 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
161 30YR FXD Fixed Interest In Arrears
162 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
164 30YR FXD Fixed Interest In Arrears
165 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
167 30YR FXD Fixed Interest In Arrears
168 30YR FXD Fixed Interest In Arrears
169 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
173 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
174 BALLOON OTHER Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
178 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
179 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
182 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
184 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
185 10 YR FIXED Fixed Interest In Arrears
186 30YR FXD Fixed Interest In Arrears
187 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
189 30YR FXD Fixed Interest In Arrears
190 2/6 MONTH LIBOR Arm Interest In Arrears
191 10 YR FIXED Fixed Interest In Arrears
192 30YR FXD Fixed Interest In Arrears
193 30YR FXD Fixed Interest In Arrears
194 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
195 30YR FXD Fixed Interest In Arrears
196 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
198 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
200 30YR FXD Fixed Interest In Arrears
201 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
204 30YR FXD Fixed Interest In Arrears
205 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
207 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
208 30YR FXD Fixed Interest In Arrears
209 30YR FXD Fixed Interest In Arrears
210 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
212 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
213 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
215 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
216 30YR FXD Fixed Interest In Arrears
217 30YR FXD Fixed Interest In Arrears
218 2/6 MONTH LIBOR Arm Interest In Arrears
219 10 YR FIXED Fixed Interest In Arrears
220 30YR FXD Fixed Interest In Arrears
221 15YR FXD Fixed Interest In Arrears
222 30YR FXD Fixed Interest In Arrears
223 30YR FXD Fixed Interest In Arrears
224 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
225 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
227 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
229 30YR FXD Fixed Interest In Arrears
230 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
231 30YR FXD Fixed Interest In Arrears
232 30YR FXD Fixed Interest In Arrears
233 30YR FXD Fixed Interest In Arrears
234 30YR FXD Fixed Interest In Arrears
235 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
236 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
237 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
239 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
241 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
245 30YR FXD Fixed Interest In Arrears
246 2/6 MONTH LIBOR Arm Interest In Arrears
247 10 YR FIXED Fixed Interest In Arrears
248 3/6 MONTH LIBOR Arm Interest In Arrears
249 15YR FXD Fixed Interest In Arrears
250 30YR FXD Fixed Interest In Arrears
251 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
252 30YR FXD Fixed Interest In Arrears
253 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
255 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
257 30YR FXD Fixed Interest In Arrears
258 30YR FXD Fixed Interest In Arrears
259 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
260 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
261 30YR FXD Fixed Interest In Arrears
262 30YR FXD Fixed Interest In Arrears
263 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
265 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
268 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
274 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
276 30YR FXD Fixed Interest In Arrears
277 30YR FXD Fixed Interest In Arrears
278 30YR FXD Fixed Interest In Arrears
279 2/6 MONTH LIBOR Arm Interest In Arrears
280 10 YR FIXED Fixed Interest In Arrears
281 30YR FXD Fixed Interest In Arrears
282 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
284 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
285 10 YR FIXED Fixed Interest In Arrears
286 2/6 MONTH LIBOR Arm Interest In Arrears
287 30YR FXD Fixed Interest In Arrears
288 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
289 10 YR FIXED Fixed Interest In Arrears
290 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
292 30YR FXD Fixed Interest In Arrears
293 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
294 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
296 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
298 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
299 30YR FXD Fixed Interest In Arrears
300 30YR FXD Fixed Interest In Arrears
301 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
304 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
305 30YR FXD Fixed Interest In Arrears
306 30YR FXD Fixed Interest In Arrears
307 30YR FXD Fixed Interest In Arrears
308 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
311 30YR FXD Fixed Interest In Arrears
312 30YR FXD Fixed Interest In Arrears
313 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
315 30YR FXD Fixed Interest In Arrears
316 30YR FXD Fixed Interest In Arrears
317 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
323 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
324 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
326 30YR FXD Fixed Interest In Arrears
327 30YR FXD Fixed Interest In Arrears
328 30YR FXD Fixed Interest In Arrears
329 30YR FXD Fixed Interest In Arrears
330 15YR FXD Fixed Interest In Arrears
331 30YR FXD Fixed Interest In Arrears
332 30YR FXD Fixed Interest In Arrears
333 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
334 30YR FXD Fixed Interest In Arrears
335 30YR FXD Fixed Interest In Arrears
336 30YR FXD Fixed Interest In Arrears
337 30YR FXD Fixed Interest In Arrears
338 30YR FXD Fixed Interest In Arrears
339 30YR FXD Fixed Interest In Arrears
340 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
341 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
343 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
344 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
346 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
352 30YR FXD Fixed Interest In Arrears
353 2/6 MONTH LIBOR Arm Interest In Arrears
354 10 YR FIXED Fixed Interest In Arrears
355 2/6 MONTH LIBOR Arm Interest In Arrears
356 10 YR FIXED Fixed Interest In Arrears
357 2/6 MONTH LIBOR Arm Interest In Arrears
358 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
360 30YR FXD Fixed Interest In Arrears
361 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
362 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
364 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
366 2/6 MONTH LIBOR Arm Interest In Arrears
367 10 YR FIXED Fixed Interest In Arrears
368 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
371 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
373 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
375 15YR FXD Fixed Interest In Arrears
376 30YR FXD Fixed Interest In Arrears
377 2/6 MONTH LIBOR Arm Interest In Arrears
378 10 YR FIXED Fixed Interest In Arrears
379 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
381 30YR FXD Fixed Interest In Arrears
382 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
388 30YR FXD Fixed Interest In Arrears
389 30YR FXD Fixed Interest In Arrears
390 15YR FXD Fixed Interest In Arrears
391 30YR FXD Fixed Interest In Arrears
392 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
396 30YR FXD Fixed Interest In Arrears
397 30YR FXD Fixed Interest In Arrears
398 2/6 MONTH LIBOR Arm Interest In Arrears
399 10 YR FIXED Fixed Interest In Arrears
400 2/6 MONTH LIBOR Arm Interest In Arrears
401 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
403 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
405 30YR FXD Fixed Interest In Arrears
406 10 YR FIXED Fixed Interest In Arrears
407 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
409 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
411 30YR FXD Fixed Interest In Arrears
412 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
414 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
416 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
420 30YR FXD Fixed Interest In Arrears
421 15YR FXD Fixed Interest In Arrears
422 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
424 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
427 15YR FXD Fixed Interest In Arrears
428 30YR FXD Fixed Interest In Arrears
429 30YR FXD Fixed Interest In Arrears
430 2/6 MONTH LIBOR Arm Interest In Arrears
431 10 YR FIXED Fixed Interest In Arrears
432 2/6 MONTH LIBOR Arm Interest In Arrears
433 30YR FXD Fixed Interest In Arrears
434 10 YR FIXED Fixed Interest In Arrears
435 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
436 10 YR FIXED Fixed Interest In Arrears
437 10 YR FIXED Fixed Interest In Arrears
438 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
441 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
442 10 YR FIXED Fixed Interest In Arrears
443 2/6 MONTH LIBOR Arm Interest In Arrears
444 10 YR FIXED Fixed Interest In Arrears
445 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
447 30YR FXD Fixed Interest In Arrears
448 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
451 30YR FXD Fixed Interest In Arrears
452 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
453 30YR FXD Fixed Interest In Arrears
454 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
458 30YR FXD Fixed Interest In Arrears
459 30YR FXD Fixed Interest In Arrears
460 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
462 30YR FXD Fixed Interest In Arrears
463 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
465 20YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
470 30YR FXD Fixed Interest In Arrears
471 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
473 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
478 30YR FXD Fixed Interest In Arrears
479 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
481 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
482 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
484 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
487 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
489 30YR FXD Fixed Interest In Arrears
490 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
491 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
493 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
494 30YR FXD Fixed Interest In Arrears
495 15YR FXD Fixed Interest In Arrears
496 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
498 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
500 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
502 15YR FXD Fixed Interest In Arrears
503 30YR FXD Fixed Interest In Arrears
504 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
505 15YR FXD Fixed Interest In Arrears
506 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
508 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
510 30YR FXD Fixed Interest In Arrears
511 30YR FXD Fixed Interest In Arrears
512 15YR FXD Fixed Interest In Arrears
513 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
515 30YR FXD Fixed Interest In Arrears
516 30YR FXD Fixed Interest In Arrears
517 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
521 30YR FXD Fixed Interest In Arrears
522 15YR FXD Fixed Interest In Arrears
523 30YR FXD Fixed Interest In Arrears
524 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
526 2/6 MONTH LIBOR Arm Interest In Arrears
527 10 YR FIXED Fixed Interest In Arrears
528 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
530 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
538 30YR FXD Fixed Interest In Arrears
539 2/6 MONTH LIBOR Arm Interest In Arrears
540 10 YR FIXED Fixed Interest In Arrears
541 2/6 MONTH LIBOR Arm Interest In Arrears
542 10 YR FIXED Fixed Interest In Arrears
543 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
545 30YR FXD Fixed Interest In Arrears
546 10 YR FIXED Fixed Interest In Arrears
547 15YR FXD Fixed Interest In Arrears
548 10 YR FIXED Fixed Interest In Arrears
549 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
551 30YR FXD Fixed Interest In Arrears
552 30YR FXD Fixed Interest In Arrears
553 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
557 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
559 30YR FXD Fixed Interest In Arrears
560 15YR FXD Fixed Interest In Arrears
561 10 YR FIXED Fixed Interest In Arrears
562 2/6 MONTH LIBOR Arm Interest In Arrears
563 30YR FXD Fixed Interest In Arrears
564 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
566 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
569 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
570 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
573 30YR FXD Fixed Interest In Arrears
574 10 YR FIXED Fixed Interest In Arrears
575 3/6 MONTH LIBOR Arm Interest In Arrears
576 30YR FXD Fixed Interest In Arrears
577 30YR FXD Fixed Interest In Arrears
578 30YR FXD Fixed Interest In Arrears
579 15YR FXD Fixed Interest In Arrears
580 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
581 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
584 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
586 15YR FXD Fixed Interest In Arrears
587 30YR FXD Fixed Interest In Arrears
588 30YR FXD Fixed Interest In Arrears
589 15YR FXD Fixed Interest In Arrears
590 30YR FXD Fixed Interest In Arrears
591 30YR FXD Fixed Interest In Arrears
592 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
594 30YR FXD Fixed Interest In Arrears
595 30YR FXD Fixed Interest In Arrears
596 15YR FXD Fixed Interest In Arrears
597 30YR FXD Fixed Interest In Arrears
598 10 YR FIXED Fixed Interest In Arrears
599 2/6 MONTH LIBOR Arm Interest In Arrears
600 30YR FXD Fixed Interest In Arrears
601 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
604 2/6 MONTH LIBOR Arm Interest In Arrears
605 10 YR FIXED Fixed Interest In Arrears
606 30YR FXD Fixed Interest In Arrears
607 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
608 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
617 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
619 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
620 30YR FXD Fixed Interest In Arrears
621 30YR FXD Fixed Interest In Arrears
622 15YR FXD Fixed Interest In Arrears
623 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
626 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
629 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
632 2/6 MONTH LIBOR Arm Interest In Arrears
633 10 YR FIXED Fixed Interest In Arrears
634 30YR FXD Fixed Interest In Arrears
635 30YR FXD Fixed Interest In Arrears
636 2/6 MONTH LIBOR Arm Interest In Arrears
637 10 YR FIXED Fixed Interest In Arrears
638 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
639 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
641 2/6 MONTH LIBOR Arm Interest In Arrears
642 10 YR FIXED Fixed Interest In Arrears
643 2/6 MONTH LIBOR Arm Interest In Arrears
644 30YR FXD Fixed Interest In Arrears
645 30YR FXD Fixed Interest In Arrears
646 30YR FXD Fixed Interest In Arrears
647 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
648 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
650 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
657 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
658 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
659 30YR FXD Fixed Interest In Arrears
660 30YR FXD Fixed Interest In Arrears
661 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
662 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
664 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
670 30YR FXD Fixed Interest In Arrears
671 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
675 30YR FXD Fixed Interest In Arrears
676 15YR FXD Fixed Interest In Arrears
677 30YR FXD Fixed Interest In Arrears
678 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
681 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
689 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
691 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
694 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
696 30YR FXD Fixed Interest In Arrears
697 30YR FXD Fixed Interest In Arrears
698 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
700 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
702 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
704 30YR FXD Fixed Interest In Arrears
705 30YR FXD Fixed Interest In Arrears
706 2/6 MONTH LIBOR Arm Interest In Arrears
707 10 YR FIXED Fixed Interest In Arrears
708 2/6 MONTH LIBOR Arm Interest In Arrears
709 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
714 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
716 30YR FXD Fixed Interest In Arrears
717 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
720 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
723 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
727 2/6 MONTH LIBOR Arm Interest In Arrears
728 10 YR FIXED Fixed Interest In Arrears
729 2/6 MONTH LIBOR Arm Interest In Arrears
730 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
732 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
734 30YR FXD Fixed Interest In Arrears
735 2/6 MONTH LIBOR Arm Interest In Arrears
736 10 YR FIXED Fixed Interest In Arrears
737 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
740 30YR FXD Fixed Interest In Arrears
741 15YR FXD Fixed Interest In Arrears
742 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
744 30YR FXD Fixed Interest In Arrears
745 30YR FXD Fixed Interest In Arrears
746 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
748 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
750 2/6 MONTH LIBOR Arm Interest In Arrears
751 10 YR FIXED Fixed Interest In Arrears
752 2/6 MONTH LIBOR Arm Interest In Arrears
753 30YR FXD Fixed Interest In Arrears
754 30YR FXD Fixed Interest In Arrears
755 30YR FXD Fixed Interest In Arrears
756 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
758 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
761 30YR FXD Fixed Interest In Arrears
762 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
764 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
765 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
773 30YR FXD Fixed Interest In Arrears
774 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
777 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
779 30YR FXD Fixed Interest In Arrears
780 30YR FXD Fixed Interest In Arrears
781 15YR BALLOON Fixed Interest In Arrears
782 15YR BALLOON Fixed Interest In Arrears
783 15YR BALLOON Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
785 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
789 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
791 30YR FXD Fixed Interest In Arrears
792 20YR FXD Fixed Interest In Arrears
793 30YR FXD Fixed Interest In Arrears
794 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
796 15YR FXD Fixed Interest In Arrears
797 15YR FXD Fixed Interest In Arrears
798 30YR FXD Fixed Interest In Arrears
799 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
801 30YR FXD Fixed Interest In Arrears
802 30YR FXD Fixed Interest In Arrears
803 15YR FXD Fixed Interest In Arrears
804 10 YR FIXED Fixed Interest In Arrears
805 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
809 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
812 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
814 30YR FXD Fixed Interest In Arrears
815 30YR FXD Fixed Interest In Arrears
816 30YR FXD Fixed Interest In Arrears
817 30YR FXD Fixed Interest In Arrears
818 10 YR FIXED Fixed Interest In Arrears
819 2/6 MONTH LIBOR Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
828 30YR FXD Fixed Interest In Arrears
829 30YR FXD Fixed Interest In Arrears
830 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
832 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
834 30YR FXD Fixed Interest In Arrears
835 10 YR FIXED Fixed Interest In Arrears
836 2/6 MONTH LIBOR Arm Interest In Arrears
837 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
840 2/6 MONTH LIBOR Arm Interest In Arrears
841 10 YR FIXED Fixed Interest In Arrears
842 10 YR FIXED Fixed Interest In Arrears
843 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
848 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
849 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
852 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
854 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
857 30YR FXD Fixed Interest In Arrears
858 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
860 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
862 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
863 15YR FXD Fixed Interest In Arrears
864 30YR FXD Fixed Interest In Arrears
865 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
868 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
872 30YR FXD Fixed Interest In Arrears
873 10 YR FIXED Fixed Interest In Arrears
874 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
877 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
879 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
880 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
881 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
884 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
885 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
886 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
887 30YR FXD Fixed Interest In Arrears
888 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
889 30YR FXD Fixed Interest In Arrears
890 15YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
893 30YR FXD Fixed Interest In Arrears
894 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
896 30YR FXD Fixed Interest In Arrears
897 10 YR FIXED Fixed Interest In Arrears
898 30YR FXD Fixed Interest In Arrears
899 30YR FXD Fixed Interest In Arrears
900 30YR FXD Fixed Interest In Arrears
901 10 YR FIXED Fixed Interest In Arrears
902 30YR FXD Fixed Interest In Arrears
903 2/6 MONTH LIBOR Arm Interest In Arrears
904 10 YR FIXED Fixed Interest In Arrears
905 2/6 MONTH LIBOR Arm Interest In Arrears
906 30YR FXD Fixed Interest In Arrears
907 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
910 2/6 MONTH LIBOR Arm Interest In Arrears
911 10 YR FIXED Fixed Interest In Arrears
912 30YR FXD Fixed Interest In Arrears
913 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
915 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
919 30YR FXD Fixed Interest In Arrears
920 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
922 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
925 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
927 30YR FXD Fixed Interest In Arrears
928 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
930 30YR FXD Fixed Interest In Arrears
931 30YR FXD Fixed Interest In Arrears
932 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
934 15YR FXD Fixed Interest In Arrears
935 30YR FXD Fixed Interest In Arrears
936 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
938 15YR FXD Fixed Interest In Arrears
939 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
940 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
943 30YR FXD Fixed Interest In Arrears
944 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
946 30YR FXD Fixed Interest In Arrears
947 30YR FXD Fixed Interest In Arrears
948 30YR FXD Fixed Interest In Arrears
949 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
952 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
954 30YR FXD Fixed Interest In Arrears
955 30YR FXD Fixed Interest In Arrears
956 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
958 30YR FXD Fixed Interest In Arrears
959 30YR FXD Fixed Interest In Arrears
960 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
962 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
964 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
966 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
969 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
970 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
974 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
977 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
979 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
981 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
982 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
987 30YR FXD Fixed Interest In Arrears
988 30YR FXD Fixed Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
992 30YR FXD Fixed Interest In Arrears
993 20YR FXD Fixed Interest In Arrears
994 10 YR FIXED Fixed Interest In Arrears
995 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
999 2/6 MONTH LIBOR Arm Interest In Arrears
1000 15YR FXD Fixed Interest In Arrears
1001 15YR FXD Fixed Interest In Arrears
1002 2/6 MONTH LIBOR Arm Interest In Arrears
1003 30YR FXD Fixed Interest In Arrears
1004 2/6 MONTH LIBOR Arm Interest In Arrears
1005 2/6 MONTH LIBOR Arm Interest In Arrears
1006 2/6 MONTH LIBOR Arm Interest In Arrears
1007 2/6 MONTH LIBOR Arm Interest In Arrears
1008 30YR FXD Fixed Interest In Arrears
1009 15YR FXD Fixed Interest In Arrears
1010 2/6 MONTH LIBOR Arm Interest In Arrears
1011 10 YR FIXED Fixed Interest In Arrears
1012 30YR FXD Fixed Interest In Arrears
1013 2/6 MONTH LIBOR Arm Interest In Arrears
1014 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1016 10 YR FIXED Fixed Interest In Arrears
1017 2/6 MONTH LIBOR Arm Interest In Arrears
1018 30YR FXD Fixed Interest In Arrears
1019 2/6 MONTH LIBOR Arm Interest In Arrears
1020 30YR FXD Fixed Interest In Arrears
1021 2/6 MONTH LIBOR Arm Interest In Arrears
1022 2/6 MONTH LIBOR Arm Interest In Arrears
1023 30YR FXD Fixed Interest In Arrears
1024 30YR FXD Fixed Interest In Arrears
1025 30YR FXD Fixed Interest In Arrears
1026 2/6 MONTH LIBOR Arm Interest In Arrears
1027 2/6 MONTH LIBOR Arm Interest In Arrears
1028 30YR FXD Fixed Interest In Arrears
1029 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1031 30YR FXD Fixed Interest In Arrears
1032 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1033 30YR FXD Fixed Interest In Arrears
1034 2/6 MONTH LIBOR Arm Interest In Arrears
1035 30YR FXD Fixed Interest In Arrears
1036 10 YR FIXED Fixed Interest In Arrears
1037 2/6 MONTH LIBOR Arm Interest In Arrears
1038 2/6 MONTH LIBOR Arm Interest In Arrears
1039 30YR FXD Fixed Interest In Arrears
1040 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1041 10 YR FIXED Fixed Interest In Arrears
1042 2/6 MONTH LIBOR Arm Interest In Arrears
1043 2/6 MONTH LIBOR Arm Interest In Arrears
1044 30YR FXD Fixed Interest In Arrears
1045 2/6 MONTH LIBOR Arm Interest In Arrears
1046 2/6 MONTH LIBOR Arm Interest In Arrears
1047 30YR FXD Fixed Interest In Arrears
1048 2/6 MONTH LIBOR Arm Interest In Arrears
1049 2/6 MONTH LIBOR Arm Interest In Arrears
1050 2/6 MONTH LIBOR Arm Interest In Arrears
1051 2/6 MONTH LIBOR Arm Interest In Arrears
1052 2/6 MONTH LIBOR Arm Interest In Arrears
1053 2/6 MONTH LIBOR Arm Interest In Arrears
1054 10 YR FIXED Fixed Interest In Arrears
1055 2/6 MONTH LIBOR Arm Interest In Arrears
1056 2/6 MONTH LIBOR Arm Interest In Arrears
1057 2/6 MONTH LIBOR Arm Interest In Arrears
1058 10 YR FIXED Fixed Interest In Arrears
1059 2/6 MONTH LIBOR Arm Interest In Arrears
1060 2/6 MONTH LIBOR Arm Interest In Arrears
1061 15YR FXD Fixed Interest In Arrears
1062 30YR FXD Fixed Interest In Arrears
1063 2/6 MONTH LIBOR Arm Interest In Arrears
1064 30YR FXD Fixed Interest In Arrears
1065 30YR FXD Fixed Interest In Arrears
1066 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1067 15YR FXD Fixed Interest In Arrears
1068 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1069 30YR FXD Fixed Interest In Arrears
1070 30YR FXD Fixed Interest In Arrears
1071 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1073 2/6 MONTH LIBOR Arm Interest In Arrears
1074 30YR FXD Fixed Interest In Arrears
1075 30YR FXD Fixed Interest In Arrears
1076 2/6 MONTH LIBOR Arm Interest In Arrears
1077 30YR FXD Fixed Interest In Arrears
1078 2/6 MONTH LIBOR Arm Interest In Arrears
1079 2/6 MONTH LIBOR Arm Interest In Arrears
1080 30YR FXD Fixed Interest In Arrears
1081 30YR FXD Fixed Interest In Arrears
1082 2/6 MONTH LIBOR Arm Interest In Arrears
1083 15YR FXD Fixed Interest In Arrears
1084 2/6 MONTH LIBOR Arm Interest In Arrears
1085 2/6 MONTH LIBOR Arm Interest In Arrears
1086 2/6 MONTH LIBOR Arm Interest In Arrears
1087 30YR FXD Fixed Interest In Arrears
1088 2/6 MONTH LIBOR Arm Interest In Arrears
1089 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1090 30YR FXD Fixed Interest In Arrears
1091 2/6 MONTH LIBOR Arm Interest In Arrears
1092 30YR FXD Fixed Interest In Arrears
1093 30YR FXD Fixed Interest In Arrears
1094 2/6 MONTH LIBOR Arm Interest In Arrears
1095 2/6 MONTH LIBOR Arm Interest In Arrears
1096 2/6 MONTH LIBOR Arm Interest In Arrears
1097 2/6 MONTH LIBOR Arm Interest In Arrears
1098 2/6 MONTH LIBOR Arm Interest In Arrears
1099 30YR FXD Fixed Interest In Arrears
1100 30YR FXD Fixed Interest In Arrears
1101 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1103 2/6 MONTH LIBOR Arm Interest In Arrears
1104 2/6 MONTH LIBOR Arm Interest In Arrears
1105 2/6 MONTH LIBOR Arm Interest In Arrears
1106 30YR FXD Fixed Interest In Arrears
1107 2/6 MONTH LIBOR Arm Interest In Arrears
1108 2/6 MONTH LIBOR Arm Interest In Arrears
1109 2/6 MONTH LIBOR Arm Interest In Arrears
1110 2/6 MONTH LIBOR Arm Interest In Arrears
1111 30YR FXD Fixed Interest In Arrears
1112 30YR FXD Fixed Interest In Arrears
1113 2/6 MONTH LIBOR Arm Interest In Arrears
1114 2/6 MONTH LIBOR Arm Interest In Arrears
1115 2/6 MONTH LIBOR Arm Interest In Arrears
1116 2/6 MONTH LIBOR Arm Interest In Arrears
1117 30YR FXD Fixed Interest In Arrears
1118 30YR FXD Fixed Interest In Arrears
1119 30YR FXD Fixed Interest In Arrears
1120 2/6 MONTH LIBOR Arm Interest In Arrears
1121 30YR FXD Fixed Interest In Arrears
1122 2/6 MONTH LIBOR Arm Interest In Arrears
1123 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1124 30YR FXD Fixed Interest In Arrears
1125 2/6 MONTH LIBOR Arm Interest In Arrears
1126 2/6 MONTH LIBOR Arm Interest In Arrears
1127 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1128 30YR FXD Fixed Interest In Arrears
1129 2/6 MONTH LIBOR Arm Interest In Arrears
1130 2/6 MONTH LIBOR Arm Interest In Arrears
1131 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1132 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1133 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1134 30YR FXD Fixed Interest In Arrears
1135 2/6 MONTH LIBOR Arm Interest In Arrears
1136 2/6 MONTH LIBOR Arm Interest In Arrears
1137 30YR FXD Fixed Interest In Arrears
1138 30YR FXD Fixed Interest In Arrears
1139 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1140 30YR FXD Fixed Interest In Arrears
1141 10 YR FIXED Fixed Interest In Arrears
1142 30YR FXD Fixed Interest In Arrears
1143 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1144 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1145 30YR FXD Fixed Interest In Arrears
1146 2/6 MONTH LIBOR Arm Interest In Arrears
1147 30YR FXD Fixed Interest In Arrears
1148 15YR FXD Fixed Interest In Arrears
1149 30YR FXD Fixed Interest In Arrears
1150 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1151 30YR FXD Fixed Interest In Arrears
1152 2/6 MONTH LIBOR Arm Interest In Arrears
1153 2/6 MONTH LIBOR Arm Interest In Arrears
1154 30YR FXD Fixed Interest In Arrears
1155 15YR FXD Fixed Interest In Arrears
1156 30YR FXD Fixed Interest In Arrears
1157 2/6 MONTH LIBOR Arm Interest In Arrears
1158 2/6 MONTH LIBOR Arm Interest In Arrears
1159 30YR FXD Fixed Interest In Arrears
1160 10 YR FIXED Fixed Interest In Arrears
1161 30YR FXD Fixed Interest In Arrears
1162 5/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1163 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1164 30YR FXD Fixed Interest In Arrears
1165 30YR FXD Fixed Interest In Arrears
1166 BALLOON OTHER Fixed Interest In Arrears
1167 30YR FXD Fixed Interest In Arrears
1168 2/6 MONTH LIBOR Arm Interest In Arrears
1169 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1171 30YR FXD Fixed Interest In Arrears
1172 30YR FXD Fixed Interest In Arrears
1173 10 YR FIXED Fixed Interest In Arrears
1174 2/6 MONTH LIBOR Arm Interest In Arrears
1175 2/6 MONTH LIBOR Arm Interest In Arrears
1176 30YR FXD Fixed Interest In Arrears
1177 30YR FXD Fixed Interest In Arrears
1178 2/6 MONTH LIBOR Arm Interest In Arrears
1179 30YR FXD Fixed Interest In Arrears
1180 2/6 MONTH LIBOR Arm Interest In Arrears
1181 2/6 MONTH LIBOR Arm Interest In Arrears
1182 2/6 MONTH LIBOR Arm Interest In Arrears
1183 30YR FXD Fixed Interest In Arrears
1184 2/6 MONTH LIBOR Arm Interest In Arrears
1185 30YR FXD Fixed Interest In Arrears
1186 30YR FXD Fixed Interest In Arrears
1187 30YR FXD Fixed Interest In Arrears
1188 30YR FXD Fixed Interest In Arrears
1189 2/6 MONTH LIBOR Arm Interest In Arrears
1190 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1192 30YR FXD Fixed Interest In Arrears
1193 2/6 MONTH LIBOR Arm Interest In Arrears
1194 2/6 MONTH LIBOR Arm Interest In Arrears
1195 30YR FXD Fixed Interest In Arrears
1196 10 YR FIXED Fixed Interest In Arrears
1197 2/6 MONTH LIBOR Arm Interest In Arrears
1198 30YR FXD Fixed Interest In Arrears
1199 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1200 30YR FXD Fixed Interest In Arrears
1201 30YR FXD Fixed Interest In Arrears
1202 2/6 MONTH LIBOR Arm Interest In Arrears
1203 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1204 2/6 MONTH LIBOR Arm Interest In Arrears
1205 2/6 MONTH LIBOR Arm Interest In Arrears
1206 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1207 30YR FXD Fixed Interest In Arrears
1208 2/6 MONTH LIBOR Arm Interest In Arrears
1209 2/6 MONTH LIBOR Arm Interest In Arrears
1210 2/6 MONTH LIBOR Arm Interest In Arrears
1211 30YR FXD Fixed Interest In Arrears
1212 30YR FXD Fixed Interest In Arrears
1213 15YR FXD Fixed Interest In Arrears
1214 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1216 2/6 MONTH LIBOR Arm Interest In Arrears
1217 2/6 MONTH LIBOR Arm Interest In Arrears
1218 2/6 MONTH LIBOR Arm Interest In Arrears
1219 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1221 2/6 MONTH LIBOR Arm Interest In Arrears
1222 30YR FXD Fixed Interest In Arrears
1223 2/6 MONTH LIBOR Arm Interest In Arrears
1224 30YR FXD Fixed Interest In Arrears
1225 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1227 2/6 MONTH LIBOR Arm Interest In Arrears
1228 30YR FXD Fixed Interest In Arrears
1229 2/6 MONTH LIBOR Arm Interest In Arrears
1230 2/6 MONTH LIBOR Arm Interest In Arrears
1231 2/6 MONTH LIBOR Arm Interest In Arrears
1232 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1234 2/6 MONTH LIBOR Arm Interest In Arrears
1235 10 YR FIXED Fixed Interest In Arrears
1236 30YR FXD Fixed Interest In Arrears
1237 2/6 MONTH LIBOR Arm Interest In Arrears
1238 30YR FXD Fixed Interest In Arrears
1239 2/6 MONTH LIBOR Arm Interest In Arrears
1240 30YR FXD Fixed Interest In Arrears
1241 30YR FXD Fixed Interest In Arrears
1242 30YR FXD Fixed Interest In Arrears
1243 2/6 MONTH LIBOR Arm Interest In Arrears
1244 2/6 MONTH LIBOR Arm Interest In Arrears
1245 2/6 MONTH LIBOR Arm Interest In Arrears
1246 10 YR FIXED Fixed Interest In Arrears
1247 10 YR FIXED Fixed Interest In Arrears
1248 30YR FXD Fixed Interest In Arrears
1249 10 YR FIXED Fixed Interest In Arrears
1250 30YR FXD Fixed Interest In Arrears
1251 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1252 15YR FXD Fixed Interest In Arrears
1253 30YR FXD Fixed Interest In Arrears
1254 2/6 MONTH LIBOR Arm Interest In Arrears
1255 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1256 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1258 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1259 2/6 MONTH LIBOR Arm Interest In Arrears
1260 2/6 MONTH LIBOR Arm Interest In Arrears
1261 2/6 MONTH LIBOR Arm Interest In Arrears
1262 2/6 MONTH LIBOR Arm Interest In Arrears
1263 10 YR FIXED Fixed Interest In Arrears
1264 30YR FXD Fixed Interest In Arrears
1265 2/6 MONTH LIBOR Arm Interest In Arrears
1266 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1267 30YR FXD Fixed Interest In Arrears
1268 2/6 MONTH LIBOR Arm Interest In Arrears
1269 30YR FXD Fixed Interest In Arrears
1270 30YR FXD Fixed Interest In Arrears
1271 2/6 MONTH LIBOR Arm Interest In Arrears
1272 30YR FXD Fixed Interest In Arrears
1273 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1275 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1277 30YR FXD Fixed Interest In Arrears
1278 30YR FXD Fixed Interest In Arrears
1279 30YR FXD Fixed Interest In Arrears
1280 30YR FXD Fixed Interest In Arrears
1281 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1282 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1283 30YR FXD Fixed Interest In Arrears
1284 2/6 MONTH LIBOR Arm Interest In Arrears
1285 30YR FXD Fixed Interest In Arrears
1286 30YR FXD Fixed Interest In Arrears
1287 2/6 MONTH LIBOR Arm Interest In Arrears
1288 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1290 30YR FXD Fixed Interest In Arrears
1291 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1292 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1294 30YR FXD Fixed Interest In Arrears
1295 30YR FXD Fixed Interest In Arrears
1296 30YR FXD Fixed Interest In Arrears
1297 2/6 MONTH LIBOR Arm Interest In Arrears
1298 2/6 MONTH LIBOR Arm Interest In Arrears
1299 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1300 10 YR FIXED Fixed Interest In Arrears
1301 30YR FXD Fixed Interest In Arrears
1302 10 YR FIXED Fixed Interest In Arrears
1303 30YR FXD Fixed Interest In Arrears
1304 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1305 30YR FXD Fixed Interest In Arrears
1306 2/6 MONTH LIBOR Arm Interest In Arrears
1307 2/6 MONTH LIBOR Arm Interest In Arrears
1308 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1309 30YR FXD Fixed Interest In Arrears
1310 15YR FXD Fixed Interest In Arrears
1311 30YR FXD Fixed Interest In Arrears
1312 30YR FXD Fixed Interest In Arrears
1313 30YR FXD Fixed Interest In Arrears
1314 30YR FXD Fixed Interest In Arrears
1315 30YR FXD Fixed Interest In Arrears
1316 30YR FXD Fixed Interest In Arrears
1317 30YR FXD Fixed Interest In Arrears
1318 3/6 MONTH LIBOR Arm Interest In Arrears
1319 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1320 30YR FXD Fixed Interest In Arrears
1321 30YR FXD Fixed Interest In Arrears
1322 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1323 30YR FXD Fixed Interest In Arrears
1324 30YR FXD Fixed Interest In Arrears
1325 30YR FXD Fixed Interest In Arrears
1326 30YR FXD Fixed Interest In Arrears
1327 2/6 MONTH LIBOR Arm Interest In Arrears
1328 2/6 MONTH LIBOR Arm Interest In Arrears
1329 2/6 MONTH LIBOR Arm Interest In Arrears
1330 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1332 2/6 MONTH LIBOR Arm Interest In Arrears
1333 2/6 MONTH LIBOR Arm Interest In Arrears
1334 2/6 MONTH LIBOR Arm Interest In Arrears
1335 30YR FXD Fixed Interest In Arrears
1336 30YR FXD Fixed Interest In Arrears
1337 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1338 30YR FXD Fixed Interest In Arrears
1339 2/6 MONTH LIBOR Arm Interest In Arrears
1340 2/6 MONTH LIBOR Arm Interest In Arrears
1341 30YR FXD Fixed Interest In Arrears
1342 30YR FXD Fixed Interest In Arrears
1343 30YR FXD Fixed Interest In Arrears
1344 15YR FXD Fixed Interest In Arrears
1345 30YR FXD Fixed Interest In Arrears
1346 30YR FXD Fixed Interest In Arrears
1347 15YR FXD Fixed Interest In Arrears
1348 30YR FXD Fixed Interest In Arrears
1349 2/6 MONTH LIBOR Arm Interest In Arrears
1350 2/6 MONTH LIBOR Arm Interest In Arrears
1351 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1352 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1353 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1354 30YR FXD Fixed Interest In Arrears
1355 2/6 MONTH LIBOR Arm Interest In Arrears
1356 2/6 MONTH LIBOR Arm Interest In Arrears
1357 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1358 30YR FXD Fixed Interest In Arrears
1359 30YR FXD Fixed Interest In Arrears
1360 2/6 MONTH LIBOR Arm Interest In Arrears
1361 30YR FXD Fixed Interest In Arrears
1362 2/6 MONTH LIBOR Arm Interest In Arrears
1363 30YR FXD Fixed Interest In Arrears
1364 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1366 30YR FXD Fixed Interest In Arrears
1367 30YR FXD Fixed Interest In Arrears
1368 30YR FXD Fixed Interest In Arrears
1369 2/6 MONTH LIBOR Arm Interest In Arrears
1370 2/6 MONTH LIBOR Arm Interest In Arrears
1371 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1372 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1373 30YR FXD Fixed Interest In Arrears
1374 30YR FXD Fixed Interest In Arrears
1375 30YR FXD Fixed Interest In Arrears
1376 2/6 MONTH LIBOR Arm Interest In Arrears
1377 30YR FXD Fixed Interest In Arrears
1378 30YR FXD Fixed Interest In Arrears
1379 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1381 30YR FXD Fixed Interest In Arrears
1382 2/6 MONTH LIBOR Arm Interest In Arrears
1383 30YR FXD Fixed Interest In Arrears
1384 30YR FXD Fixed Interest In Arrears
1385 30YR FXD Fixed Interest In Arrears
1386 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1387 30YR FXD Fixed Interest In Arrears
1388 30YR FXD Fixed Interest In Arrears
1389 30YR FXD Fixed Interest In Arrears
1390 2/6 MONTH LIBOR Arm Interest In Arrears
1391 2/6 MONTH LIBOR Arm Interest In Arrears
1392 30YR FXD Fixed Interest In Arrears
1393 30YR FXD Fixed Interest In Arrears
1394 2/6 MONTH LIBOR Arm Interest In Arrears
1395 2/6 MONTH LIBOR Arm Interest In Arrears
1396 15YR FXD Fixed Interest In Arrears
1397 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1398 30YR FXD Fixed Interest In Arrears
1399 30YR FXD Fixed Interest In Arrears
1400 30YR FXD Fixed Interest In Arrears
1401 2/6 MONTH LIBOR Arm Interest In Arrears
1402 30YR FXD Fixed Interest In Arrears
1403 30YR FXD Fixed Interest In Arrears
1404 2/6 MONTH LIBOR Arm Interest In Arrears
1405 2/6 MONTH LIBOR Arm Interest In Arrears
1406 30YR FXD Fixed Interest In Arrears
1407 2/6 MONTH LIBOR Arm Interest In Arrears
1408 2/6 MONTH LIBOR Arm Interest In Arrears
1409 2/6 MONTH LIBOR Arm Interest In Arrears
1410 2/6 MONTH LIBOR Arm Interest In Arrears
1411 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1412 30YR FXD Fixed Interest In Arrears
1413 30YR FXD Fixed Interest In Arrears
1414 30YR FXD Fixed Interest In Arrears
1415 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1416 2/6 MONTH LIBOR Arm Interest In Arrears
1417 10 YR FIXED Fixed Interest In Arrears
1418 2/6 MONTH LIBOR Arm Interest In Arrears
1419 2/6 MONTH LIBOR Arm Interest In Arrears
1420 2/6 MONTH LIBOR Arm Interest In Arrears
1421 2/6 MONTH LIBOR Arm Interest In Arrears
1422 2/6 MONTH LIBOR Arm Interest In Arrears
1423 2/6 MONTH LIBOR Arm Interest In Arrears
1424 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1425 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1426 30YR FXD Fixed Interest In Arrears
1427 30YR FXD Fixed Interest In Arrears
1428 30YR FXD Fixed Interest In Arrears
1429 30YR FXD Fixed Interest In Arrears
1430 30YR FXD Fixed Interest In Arrears
1431 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1433 2/6 MONTH LIBOR Arm Interest In Arrears
1434 30YR FXD Fixed Interest In Arrears
1435 30YR FXD Fixed Interest In Arrears
1436 2/6 MONTH LIBOR Arm Interest In Arrears
1437 2/6 MONTH LIBOR Arm Interest In Arrears
1438 2/6 MONTH LIBOR Arm Interest In Arrears
1439 30YR FXD Fixed Interest In Arrears
1440 15YR FXD Fixed Interest In Arrears
1441 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1442 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1443 30YR FXD Fixed Interest In Arrears
1444 2/6 MONTH LIBOR Arm Interest In Arrears
1445 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1446 30YR FXD Fixed Interest In Arrears
1447 5/6 MONTH LIBOR Arm Interest In Arrears
1448 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1450 2/6 MONTH LIBOR Arm Interest In Arrears
1451 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1452 30YR FXD Fixed Interest In Arrears
1453 2/6 MONTH LIBOR Arm Interest In Arrears
1454 30YR FXD Fixed Interest In Arrears
1455 30YR FXD Fixed Interest In Arrears
1456 30YR FXD Fixed Interest In Arrears
1457 2/6 MONTH LIBOR Arm Interest In Arrears
1458 30YR FXD Fixed Interest In Arrears
1459 2/6 MONTH LIBOR Arm Interest In Arrears
1460 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1461 30YR FXD Fixed Interest In Arrears
1462 2/6 MONTH LIBOR Arm Interest In Arrears
1463 30YR FXD Fixed Interest In Arrears
1464 30YR FXD Fixed Interest In Arrears
1465 30YR FXD Fixed Interest In Arrears
1466 2/6 MONTH LIBOR Arm Interest In Arrears
1467 30YR FXD Fixed Interest In Arrears
1468 30YR FXD Fixed Interest In Arrears
1469 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1471 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1473 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1474 2/6 MONTH LIBOR Arm Interest In Arrears
1475 2/6 MONTH LIBOR Arm Interest In Arrears
1476 30YR FXD Fixed Interest In Arrears
1477 2/6 MONTH LIBOR Arm Interest In Arrears
1478 30YR FXD Fixed Interest In Arrears
1479 10 YR FIXED Fixed Interest In Arrears
1480 10 YR FIXED Fixed Interest In Arrears
1481 15YR FXD Fixed Interest In Arrears
1482 30YR FXD Fixed Interest In Arrears
1483 30YR FXD Fixed Interest In Arrears
1484 30YR FXD Fixed Interest In Arrears
1485 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1487 2/6 MONTH LIBOR Arm Interest In Arrears
1488 2/6 MONTH LIBOR Arm Interest In Arrears
1489 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1491 2/6 MONTH LIBOR Arm Interest In Arrears
1492 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1493 30YR FXD Fixed Interest In Arrears
1494 2/6 MONTH LIBOR Arm Interest In Arrears
1495 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1497 2/6 MONTH LIBOR Arm Interest In Arrears
1498 2/6 MONTH LIBOR Arm Interest In Arrears
1499 2/6 MONTH LIBOR Arm Interest In Arrears
1500 30YR FXD Fixed Interest In Arrears
1501 30YR FXD Fixed Interest In Arrears
1502 2/6 MONTH LIBOR Arm Interest In Arrears
1503 30YR FXD Fixed Interest In Arrears
1504 2/6 MONTH LIBOR Arm Interest In Arrears
1505 3/6 MONTH LIBOR Arm Interest In Arrears
1506 30YR FXD Fixed Interest In Arrears
1507 30YR FXD Fixed Interest In Arrears
1508 15YR FXD Fixed Interest In Arrears
1509 2/6 MONTH LIBOR Arm Interest In Arrears
1510 2/6 MONTH LIBOR Arm Interest In Arrears
1511 30YR FXD Fixed Interest In Arrears
1512 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1513 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1515 2/6 MONTH LIBOR Arm Interest In Arrears
1516 30YR FXD Fixed Interest In Arrears
1517 3/6 MONTH LIBOR Arm Interest In Arrears
1518 2/6 MONTH LIBOR Arm Interest In Arrears
1519 30YR FXD Fixed Interest In Arrears
1520 30YR FXD Fixed Interest In Arrears
1521 30YR FXD Fixed Interest In Arrears
1522 2/6 MONTH LIBOR Arm Interest In Arrears
1523 30YR FXD Fixed Interest In Arrears
1524 30YR FXD Fixed Interest In Arrears
1525 30YR FXD Fixed Interest In Arrears
1526 5/6 MONTH LIBOR Arm Interest In Arrears
1527 2/6 MONTH LIBOR Arm Interest In Arrears
1528 30YR FXD Fixed Interest In Arrears
1529 30YR FXD Fixed Interest In Arrears
1530 10 YR FIXED Fixed Interest In Arrears
1531 30YR FXD Fixed Interest In Arrears
1532 2/6 MONTH LIBOR Arm Interest In Arrears
1533 30YR FXD Fixed Interest In Arrears
1534 2/6 MONTH LIBOR Arm Interest In Arrears
1535 2/6 MONTH LIBOR Arm Interest In Arrears
1536 2/6 MONTH LIBOR Arm Interest In Arrears
1537 30YR FXD Fixed Interest In Arrears
1538 2/6 MONTH LIBOR Arm Interest In Arrears
1539 10 YR FIXED Fixed Interest In Arrears
1540 15YR FXD Fixed Interest In Arrears
1541 2/6 MONTH LIBOR Arm Interest In Arrears
1542 2/6 MONTH LIBOR Arm Interest In Arrears
1543 30YR FXD Fixed Interest In Arrears
1544 30YR FXD Fixed Interest In Arrears
1545 30YR FXD Fixed Interest In Arrears
1546 2/6 MONTH LIBOR Arm Interest In Arrears
1547 30YR FXD Fixed Interest In Arrears
1548 2/6 MONTH LIBOR Arm Interest In Arrears
1549 15YR FXD Fixed Interest In Arrears
1550 2/6 MONTH LIBOR Arm Interest In Arrears
1551 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1552 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1553 30YR FXD Fixed Interest In Arrears
1554 2/6 MONTH LIBOR Arm Interest In Arrears
1555 30YR FXD Fixed Interest In Arrears
1556 2/6 MONTH LIBOR Arm Interest In Arrears
1557 2/6 MONTH LIBOR Arm Interest In Arrears
1558 2/6 MONTH LIBOR Arm Interest In Arrears
1559 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1560 30YR FXD Fixed Interest In Arrears
1561 2/6 MONTH LIBOR Arm Interest In Arrears
1562 30YR FXD Fixed Interest In Arrears
1563 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1564 2/6 MONTH LIBOR Arm Interest In Arrears
1565 30YR FXD Fixed Interest In Arrears
1566 30YR FXD Fixed Interest In Arrears
1567 30YR FXD Fixed Interest In Arrears
1568 2/6 MONTH LIBOR Arm Interest In Arrears
1569 2/6 MONTH LIBOR Arm Interest In Arrears
1570 30YR FXD Fixed Interest In Arrears
1571 30YR FXD Fixed Interest In Arrears
1572 2/6 MONTH LIBOR Arm Interest In Arrears
1573 2/6 MONTH LIBOR Arm Interest In Arrears
1574 2/6 MONTH LIBOR Arm Interest In Arrears
1575 10 YR FIXED Fixed Interest In Arrears
1576 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1577 10 YR FIXED Fixed Interest In Arrears
1578 3/6 MONTH LIBOR Arm Interest In Arrears
1579 2/6 MONTH LIBOR Arm Interest In Arrears
1580 2/6 MONTH LIBOR Arm Interest In Arrears
1581 30YR FXD Fixed Interest In Arrears
1582 2/6 MONTH LIBOR Arm Interest In Arrears
1583 2/6 MONTH LIBOR Arm Interest In Arrears
1584 30YR FXD Fixed Interest In Arrears
1585 10 YR FIXED Fixed Interest In Arrears
1586 2/6 MONTH LIBOR Arm Interest In Arrears
1587 2/6 MONTH LIBOR Arm Interest In Arrears
1588 2/6 MONTH LIBOR Arm Interest In Arrears
1589 2/6 MONTH LIBOR Arm Interest In Arrears
1590 2/6 MONTH LIBOR Arm Interest In Arrears
1591 2/6 MONTH LIBOR Arm Interest In Arrears
1592 10 YR FIXED Fixed Interest In Arrears
1593 2/6 MONTH LIBOR Arm Interest In Arrears
1594 30YR FXD Fixed Interest In Arrears
1595 2/6 MONTH LIBOR Arm Interest In Arrears
1596 2/6 MONTH LIBOR Arm Interest In Arrears
1597 2/6 MONTH LIBOR Arm Interest In Arrears
1598 30YR FXD Fixed Interest In Arrears
1599 30YR FXD Fixed Interest In Arrears
1600 30YR FXD Fixed Interest In Arrears
1601 30YR FXD Fixed Interest In Arrears
1602 30YR FXD Fixed Interest In Arrears
1603 3/6 MONTH LIBOR Arm Interest In Arrears
1604 30YR FXD Fixed Interest In Arrears
1605 2/6 MONTH LIBOR Arm Interest In Arrears
1606 30YR FXD Fixed Interest In Arrears
1607 30YR FXD Fixed Interest In Arrears
1608 30YR FXD Fixed Interest In Arrears
1609 30YR FXD Fixed Interest In Arrears
1610 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1612 2/6 MONTH LIBOR Arm Interest In Arrears
1613 2/6 MONTH LIBOR Arm Interest In Arrears
1614 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1615 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1616 15YR BALLOON Fixed Interest In Arrears
1617 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1618 30YR FXD - 60 MONTH IO Fixed Interest Only
1619 30YR FXD Fixed Interest In Arrears
1620 20YR FXD Fixed Interest In Arrears
1621 2/6 MONTH LIBOR Arm Interest In Arrears
1622 30YR FXD Fixed Interest In Arrears
1623 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1625 2/6 MONTH LIBOR Arm Interest In Arrears
1626 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1628 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1630 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1631 15YR FXD Fixed Interest In Arrears
1632 2/6 MONTH LIBOR Arm Interest In Arrears
1633 2/6 MONTH LIBOR Arm Interest In Arrears
1634 2/6 MONTH LIBOR Arm Interest In Arrears
1635 2/6 MONTH LIBOR Arm Interest In Arrears
1636 30YR FXD Fixed Interest In Arrears
1637 30YR FXD Fixed Interest In Arrears
1638 30YR FXD Fixed Interest In Arrears
1639 2/6 MONTH LIBOR Arm Interest In Arrears
1640 30YR FXD Fixed Interest In Arrears
1641 15YR FXD Fixed Interest In Arrears
1642 2/6 MONTH LIBOR Arm Interest In Arrears
1643 30YR FXD Fixed Interest In Arrears
1644 2/6 MONTH LIBOR Arm Interest In Arrears
1645 3/6 MONTH LIBOR Arm Interest In Arrears
1646 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1648 30YR FXD Fixed Interest In Arrears
1649 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1651 2/6 MONTH LIBOR Arm Interest In Arrears
1652 2/6 MONTH LIBOR Arm Interest In Arrears
1653 2/6 MONTH LIBOR Arm Interest In Arrears
1654 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1656 30YR FXD Fixed Interest In Arrears
1657 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1658 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1660 2/6 MONTH LIBOR Arm Interest In Arrears
1661 2/6 MONTH LIBOR Arm Interest In Arrears
1662 2/6 MONTH LIBOR Arm Interest In Arrears
1663 15YR FXD Fixed Interest In Arrears
1664 2/6 MONTH LIBOR Arm Interest In Arrears
1665 2/6 MONTH LIBOR Arm Interest In Arrears
1666 2/6 MONTH LIBOR Arm Interest In Arrears
1667 2/6 MONTH LIBOR Arm Interest In Arrears
1668 30YR FXD Fixed Interest In Arrears
1669 30YR FXD Fixed Interest In Arrears
1670 2/6 MONTH LIBOR Arm Interest In Arrears
1671 30YR FXD Fixed Interest In Arrears
1672 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1674 30YR FXD Fixed Interest In Arrears
1675 2/6 MONTH LIBOR Arm Interest In Arrears
1676 2/6 MONTH LIBOR Arm Interest In Arrears
1677 2/6 MONTH LIBOR Arm Interest In Arrears
1678 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1679 30YR FXD Fixed Interest In Arrears
1680 2/6 MONTH LIBOR Arm Interest In Arrears
1681 30YR FXD Fixed Interest In Arrears
1682 2/6 MONTH LIBOR Arm Interest In Arrears
1683 30YR FXD Fixed Interest In Arrears
1684 2/6 MONTH LIBOR Arm Interest In Arrears
1685 2/6 MONTH LIBOR Arm Interest In Arrears
1686 30YR FXD Fixed Interest In Arrears
1687 2/6 MONTH LIBOR Arm Interest In Arrears
1688 30YR FXD Fixed Interest In Arrears
1689 2/6 MONTH LIBOR Arm Interest In Arrears
1690 15YR FXD Fixed Interest In Arrears
1691 2/6 MONTH LIBOR Arm Interest In Arrears
1692 30YR FXD Fixed Interest In Arrears
1693 2/6 MONTH LIBOR Arm Interest In Arrears
1694 2/6 MONTH LIBOR Arm Interest In Arrears
1695 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1696 10 YR FIXED Fixed Interest In Arrears
1697 30YR FXD Fixed Interest In Arrears
1698 30YR FXD Fixed Interest In Arrears
1699 2/6 MONTH LIBOR Arm Interest In Arrears
1700 30YR FXD Fixed Interest In Arrears
1701 2/6 MONTH LIBOR Arm Interest In Arrears
1702 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1704 30YR FXD Fixed Interest In Arrears
1705 30YR FXD Fixed Interest In Arrears
1706 2/6 MONTH LIBOR Arm Interest In Arrears
1707 2/6 MONTH LIBOR Arm Interest In Arrears
1708 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1709 2/6 MONTH LIBOR Arm Interest In Arrears
1710 2/6 MONTH LIBOR Arm Interest In Arrears
1711 2/6 MONTH LIBOR Arm Interest In Arrears
1712 2/6 MONTH LIBOR Arm Interest In Arrears
1713 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1715 15YR FXD Fixed Interest In Arrears
1716 30YR FXD Fixed Interest In Arrears
1717 2/6 MONTH LIBOR Arm Interest In Arrears
1718 2/6 MONTH LIBOR Arm Interest In Arrears
1719 2/6 MONTH LIBOR Arm Interest In Arrears
1720 30YR FXD Fixed Interest In Arrears
1721 2/6 MONTH LIBOR Arm Interest In Arrears
1722 2/6 MONTH LIBOR Arm Interest In Arrears
1723 2/6 MONTH LIBOR Arm Interest In Arrears
1724 2/6 MONTH LIBOR Arm Interest In Arrears
1725 30YR FXD Fixed Interest In Arrears
1726 2/6 MONTH LIBOR Arm Interest In Arrears
1727 2/6 MONTH LIBOR Arm Interest In Arrears
1728 30YR FXD Fixed Interest In Arrears
1729 2/6 MONTH LIBOR Arm Interest In Arrears
1730 2/6 MONTH LIBOR Arm Interest In Arrears
1731 2/6 MONTH LIBOR Arm Interest In Arrears
1732 2/6 MONTH LIBOR Arm Interest In Arrears
1733 2/6 MONTH LIBOR Arm Interest In Arrears
1734 2/6 MONTH LIBOR Arm Interest In Arrears
1735 2/6 MONTH LIBOR Arm Interest In Arrears
1736 2/6 MONTH LIBOR Arm Interest In Arrears
1737 30YR FXD Fixed Interest In Arrears
1738 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1739 30YR FXD Fixed Interest In Arrears
1740 2/6 MONTH LIBOR Arm Interest In Arrears
1741 2/6 MONTH LIBOR Arm Interest In Arrears
1742 2/6 MONTH LIBOR Arm Interest In Arrears
1743 2/6 MONTH LIBOR Arm Interest In Arrears
1744 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1746 30YR FXD Fixed Interest In Arrears
1747 2/6 MONTH LIBOR Arm Interest In Arrears
1748 30YR FXD Fixed Interest In Arrears
1749 30YR FXD Fixed Interest In Arrears
1750 2/6 MONTH LIBOR Arm Interest In Arrears
1751 15YR FXD Fixed Interest In Arrears
1752 30YR FXD Fixed Interest In Arrears
1753 3/6 MONTH LIBOR Arm Interest In Arrears
1754 2/6 MONTH LIBOR Arm Interest In Arrears
1755 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1757 2/6 MONTH LIBOR Arm Interest In Arrears
1758 2/6 MONTH LIBOR Arm Interest In Arrears
1759 30YR FXD Fixed Interest In Arrears
1760 BALLOON OTHER Fixed Interest In Arrears
1761 2/6 MONTH LIBOR Arm Interest In Arrears
1762 30YR FXD Fixed Interest In Arrears
1763 2/6 MONTH LIBOR Arm Interest In Arrears
1764 2/6 MONTH LIBOR Arm Interest In Arrears
1765 2/6 MONTH LIBOR Arm Interest In Arrears
1766 30YR FXD Fixed Interest In Arrears
1767 30YR FXD Fixed Interest In Arrears
1768 30YR FXD Fixed Interest In Arrears
1769 2/6 MONTH LIBOR Arm Interest In Arrears
1770 2/6 MONTH LIBOR Arm Interest In Arrears
1771 30YR FXD Fixed Interest In Arrears
1772 2/6 MONTH LIBOR Arm Interest In Arrears
1773 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1775 30YR FXD Fixed Interest In Arrears
1776 2/6 MONTH LIBOR Arm Interest In Arrears
1777 30YR FXD Fixed Interest In Arrears
1778 2/6 MONTH LIBOR Arm Interest In Arrears
1779 30YR FXD Fixed Interest In Arrears
1780 2/6 MONTH LIBOR Arm Interest In Arrears
1781 30YR FXD Fixed Interest In Arrears
1782 2/6 MONTH LIBOR Arm Interest In Arrears
1783 2/6 MONTH LIBOR Arm Interest In Arrears
1784 2/6 MONTH LIBOR Arm Interest In Arrears
1785 2/6 MONTH LIBOR Arm Interest In Arrears
1786 30YR FXD Fixed Interest In Arrears
1787 2/6 MONTH LIBOR Arm Interest In Arrears
1788 2/6 MONTH LIBOR Arm Interest In Arrears
1789 2/6 MONTH LIBOR Arm Interest In Arrears
1790 2/6 MONTH LIBOR Arm Interest In Arrears
1791 2/6 MONTH LIBOR Arm Interest In Arrears
1792 2/6 MONTH LIBOR Arm Interest In Arrears
1793 30YR FXD Fixed Interest In Arrears
1794 2/6 MONTH LIBOR Arm Interest In Arrears
1795 30YR FXD Fixed Interest In Arrears
1796 30YR FXD Fixed Interest In Arrears
1797 30YR FXD Fixed Interest In Arrears
1798 2/6 MONTH LIBOR Arm Interest In Arrears
1799 2/6 MONTH LIBOR Arm Interest In Arrears
1800 30YR FXD Fixed Interest In Arrears
1801 2/6 MONTH LIBOR Arm Interest In Arrears
1802 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1803 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1805 2/6 MONTH LIBOR Arm Interest In Arrears
1806 30YR FXD Fixed Interest In Arrears
1807 30YR FXD Fixed Interest In Arrears
1808 30YR FXD Fixed Interest In Arrears
1809 10 YR FIXED Fixed Interest In Arrears
1810 15YR FXD Fixed Interest In Arrears
1811 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1812 30YR FXD Fixed Interest In Arrears
1813 2/6 MONTH LIBOR Arm Interest In Arrears
1814 10 YR FIXED Fixed Interest In Arrears
1815 30YR FXD Fixed Interest In Arrears
1816 2/6 MONTH LIBOR Arm Interest In Arrears
1817 30YR FXD Fixed Interest In Arrears
1818 2/6 MONTH LIBOR Arm Interest In Arrears
1819 30YR FXD Fixed Interest In Arrears
1820 30YR FXD Fixed Interest In Arrears
1821 30YR FXD Fixed Interest In Arrears
1822 2/6 MONTH LIBOR Arm Interest In Arrears
1823 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1824 30YR FXD Fixed Interest In Arrears
1825 30YR FXD Fixed Interest In Arrears
1826 30YR FXD Fixed Interest In Arrears
1827 2/6 MONTH LIBOR Arm Interest In Arrears
1828 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1830 30YR FXD Fixed Interest In Arrears
1831 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1832 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1833 2/6 MONTH LIBOR Arm Interest In Arrears
1834 2/6 MONTH LIBOR Arm Interest In Arrears
1835 2/6 MONTH LIBOR Arm Interest In Arrears
1836 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1838 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1839 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1841 10 YR FIXED Fixed Interest In Arrears
1842 2/6 MONTH LIBOR Arm Interest In Arrears
1843 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1845 2/6 MONTH LIBOR Arm Interest In Arrears
1846 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1847 30YR FXD Fixed Interest In Arrears
1848 2/6 MONTH LIBOR Arm Interest In Arrears
1849 2/6 MONTH LIBOR Arm Interest In Arrears
1850 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1851 2/6 MONTH LIBOR Arm Interest In Arrears
1852 30YR FXD Fixed Interest In Arrears
1853 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1854 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1856 30YR FXD Fixed Interest In Arrears
1857 2/6 MONTH LIBOR Arm Interest In Arrears
1858 2/6 MONTH LIBOR Arm Interest In Arrears
1859 2/6 MONTH LIBOR Arm Interest In Arrears
1860 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1861 30YR FXD Fixed Interest In Arrears
1862 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1863 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1864 30YR FXD Fixed Interest In Arrears
1865 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1866 30YR FXD Fixed Interest In Arrears
1867 2/6 MONTH LIBOR Arm Interest In Arrears
1868 5/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1869 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1870 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1872 10 YR FIXED Fixed Interest In Arrears
1873 30YR FXD Fixed Interest In Arrears
1874 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1875 30YR FXD Fixed Interest In Arrears
1876 30YR FXD Fixed Interest In Arrears
1877 2/6 MONTH LIBOR Arm Interest In Arrears
1878 30YR FXD Fixed Interest In Arrears
1879 30YR FXD Fixed Interest In Arrears
1880 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1881 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1882 30YR FXD Fixed Interest In Arrears
1883 30YR FXD Fixed Interest In Arrears
1884 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1885 30YR FXD Fixed Interest In Arrears
1886 30YR FXD Fixed Interest In Arrears
1887 30YR FXD Fixed Interest In Arrears
1888 2/6 MONTH LIBOR Arm Interest In Arrears
1889 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1891 2/6 MONTH LIBOR Arm Interest In Arrears
1892 30YR FXD Fixed Interest In Arrears
1893 30YR FXD Fixed Interest In Arrears
1894 30YR FXD Fixed Interest In Arrears
1895 30YR FXD Fixed Interest In Arrears
1896 30YR FXD Fixed Interest In Arrears
1897 30YR FXD Fixed Interest In Arrears
1898 2/6 MONTH LIBOR Arm Interest In Arrears
1899 30YR FXD Fixed Interest In Arrears
1900 2/6 MONTH LIBOR Arm Interest In Arrears
1901 30YR FXD Fixed Interest In Arrears
1902 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1903 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1904 15YR BALLOON Fixed Interest In Arrears
1905 2/6 MONTH LIBOR Arm Interest In Arrears
1906 2/6 MONTH LIBOR Arm Interest In Arrears
1907 2/6 MONTH LIBOR Arm Interest In Arrears
1908 2/6 MONTH LIBOR Arm Interest In Arrears
1909 2/6 MONTH LIBOR Arm Interest In Arrears
1910 30YR FXD Fixed Interest In Arrears
1911 30YR FXD Fixed Interest In Arrears
1912 2/6 MONTH LIBOR Arm Interest In Arrears
1913 2/6 MONTH LIBOR Arm Interest In Arrears
1914 30YR FXD Fixed Interest In Arrears
1915 2/6 MONTH LIBOR Arm Interest In Arrears
1916 2/6 MONTH LIBOR Arm Interest In Arrears
1917 2/6 MONTH LIBOR Arm Interest In Arrears
1918 2/6 MONTH LIBOR Arm Interest In Arrears
1919 30YR FXD Fixed Interest In Arrears
1920 2/6 MONTH LIBOR Arm Interest In Arrears
1921 2/6 MONTH LIBOR Arm Interest In Arrears
1922 30YR FXD Fixed Interest In Arrears
1923 2/6 MONTH LIBOR Arm Interest In Arrears
1924 2/6 MONTH LIBOR Arm Interest In Arrears
1925 2/6 MONTH LIBOR Arm Interest In Arrears
1926 2/6 MONTH LIBOR Arm Interest In Arrears
1927 15YR FXD Fixed Interest In Arrears
1928 2/6 MONTH LIBOR Arm Interest In Arrears
1929 20YR FXD Fixed Interest In Arrears
1930 2/6 MONTH LIBOR Arm Interest In Arrears
1931 2/6 MONTH LIBOR Arm Interest In Arrears
1932 2/6 MONTH LIBOR Arm Interest In Arrears
1933 2/6 MONTH LIBOR Arm Interest In Arrears
1934 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1936 2/6 MONTH LIBOR Arm Interest In Arrears
1937 2/6 MONTH LIBOR Arm Interest In Arrears
1938 15YR FXD Fixed Interest In Arrears
1939 2/6 MONTH LIBOR Arm Interest In Arrears
1940 30YR FXD Fixed Interest In Arrears
1941 2/6 MONTH LIBOR Arm Interest In Arrears
1942 2/6 MONTH LIBOR Arm Interest In Arrears
1943 2/6 MONTH LIBOR Arm Interest In Arrears
1944 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1945 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1947 2/6 MONTH LIBOR Arm Interest In Arrears
1948 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1949 15YR FXD Fixed Interest In Arrears
1950 2/6 MONTH LIBOR Arm Interest In Arrears
1951 2/6 MONTH LIBOR Arm Interest In Arrears
1952 30YR FXD Fixed Interest In Arrears
1953 2/6 MONTH LIBOR Arm Interest In Arrears
1954 30YR FXD Fixed Interest In Arrears
1955 2/6 MONTH LIBOR Arm Interest In Arrears
1956 30YR FXD Fixed Interest In Arrears
1957 2/6 MONTH LIBOR Arm Interest In Arrears
1958 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1959 30YR FXD Fixed Interest In Arrears
1960 30YR FXD Fixed Interest In Arrears
1961 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1963 2/6 MONTH LIBOR Arm Interest In Arrears
1964 2/6 MONTH LIBOR Arm Interest In Arrears
1965 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1967 30YR FXD Fixed Interest In Arrears
1968 30YR FXD Fixed Interest In Arrears
1969 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1970 15YR FXD Fixed Interest In Arrears
1971 3/6 MONTH LIBOR Arm Interest In Arrears
1972 2/6 MONTH LIBOR Arm Interest In Arrears
1973 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1975 2/6 MONTH LIBOR Arm Interest In Arrears
1976 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1977 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1978 30YR FXD Fixed Interest In Arrears
1979 2/6 MONTH LIBOR Arm Interest In Arrears
1980 2/6 MONTH LIBOR Arm Interest In Arrears
1981 2/6 MONTH LIBOR Arm Interest In Arrears
1982 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1983 30YR FXD Fixed Interest In Arrears
1984 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1985 30YR FXD Fixed Interest In Arrears
1986 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
1988 2/6 MONTH LIBOR Arm Interest In Arrears
1989 30YR FXD Fixed Interest In Arrears
1990 2/6 MONTH LIBOR Arm Interest In Arrears
1991 30YR FXD Fixed Interest In Arrears
1992 2/6 MONTH LIBOR Arm Interest In Arrears
1993 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
1994 30YR FXD Fixed Interest In Arrears
1995 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1996 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
1997 30YR FXD Fixed Interest In Arrears
1998 30YR FXD Fixed Interest In Arrears
1999 2/6 MONTH LIBOR Arm Interest In Arrears
2000 30YR FXD Fixed Interest In Arrears
2001 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2003 30YR FXD Fixed Interest In Arrears
2004 2/6 MONTH LIBOR Arm Interest In Arrears
2005 30YR FXD Fixed Interest In Arrears
2006 2/6 MONTH LIBOR Arm Interest In Arrears
2007 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2009 2/6 MONTH LIBOR Arm Interest In Arrears
2010 30YR FXD Fixed Interest In Arrears
2011 2/6 MONTH LIBOR Arm Interest In Arrears
2012 2/6 MONTH LIBOR Arm Interest In Arrears
2013 2/6 MONTH LIBOR Arm Interest In Arrears
2014 30YR FXD Fixed Interest In Arrears
2015 2/6 MONTH LIBOR Arm Interest In Arrears
2016 2/6 MONTH LIBOR Arm Interest In Arrears
2017 2/6 MONTH LIBOR Arm Interest In Arrears
2018 30YR FXD Fixed Interest In Arrears
2019 10 YR FIXED Fixed Interest In Arrears
2020 BALLOON OTHER Fixed Interest In Arrears
2021 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2023 2/6 MONTH LIBOR Arm Interest In Arrears
2024 2/6 MONTH LIBOR Arm Interest In Arrears
2025 30YR FXD Fixed Interest In Arrears
2026 2/6 MONTH LIBOR Arm Interest In Arrears
2027 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2029 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2031 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2033 30YR FXD Fixed Interest In Arrears
2034 30YR FXD Fixed Interest In Arrears
2035 15YR FXD Fixed Interest In Arrears
2036 2/6 MONTH LIBOR Arm Interest In Arrears
2037 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2039 2/6 MONTH LIBOR Arm Interest In Arrears
2040 30YR FXD Fixed Interest In Arrears
2041 2/6 MONTH LIBOR Arm Interest In Arrears
2042 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2044 2/6 MONTH LIBOR Arm Interest In Arrears
2045 2/6 MONTH LIBOR Arm Interest In Arrears
2046 2/6 MONTH LIBOR Arm Interest In Arrears
2047 2/6 MONTH LIBOR Arm Interest In Arrears
2048 2/6 MONTH LIBOR Arm Interest In Arrears
2049 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2051 30YR FXD Fixed Interest In Arrears
2052 2/6 MONTH LIBOR Arm Interest In Arrears
2053 30YR FXD Fixed Interest In Arrears
2054 2/6 MONTH LIBOR Arm Interest In Arrears
2055 2/6 MONTH LIBOR Arm Interest In Arrears
2056 2/6 MONTH LIBOR Arm Interest In Arrears
2057 2/6 MONTH LIBOR Arm Interest In Arrears
2058 2/6 MONTH LIBOR Arm Interest In Arrears
2059 2/6 MONTH LIBOR Arm Interest In Arrears
2060 2/6 MONTH LIBOR Arm Interest In Arrears
2061 2/6 MONTH LIBOR Arm Interest In Arrears
2062 2/6 MONTH LIBOR Arm Interest In Arrears
2063 2/6 MONTH LIBOR Arm Interest In Arrears
2064 2/6 MONTH LIBOR Arm Interest In Arrears
2065 2/6 MONTH LIBOR Arm Interest In Arrears
2066 2/6 MONTH LIBOR Arm Interest In Arrears
2067 2/6 MONTH LIBOR Arm Interest In Arrears
2068 30YR FXD Fixed Interest In Arrears
2069 2/6 MONTH LIBOR Arm Interest In Arrears
2070 30YR FXD Fixed Interest In Arrears
2071 2/6 MONTH LIBOR Arm Interest In Arrears
2072 2/6 MONTH LIBOR Arm Interest In Arrears
2073 30YR FXD Fixed Interest In Arrears
2074 2/6 MONTH LIBOR Arm Interest In Arrears
2075 2/6 MONTH LIBOR Arm Interest In Arrears
2076 2/6 MONTH LIBOR Arm Interest In Arrears
2077 2/6 MONTH LIBOR Arm Interest In Arrears
2078 2/6 MONTH LIBOR Arm Interest In Arrears
2079 30YR FXD Fixed Interest In Arrears
2080 2/6 MONTH LIBOR Arm Interest In Arrears
2081 2/6 MONTH LIBOR Arm Interest In Arrears
2082 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2084 2/6 MONTH LIBOR Arm Interest In Arrears
2085 2/6 MONTH LIBOR Arm Interest In Arrears
2086 30YR FXD Fixed Interest In Arrears
2087 2/6 MONTH LIBOR Arm Interest In Arrears
2088 15YR FXD Fixed Interest In Arrears
2089 2/6 MONTH LIBOR Arm Interest In Arrears
2090 2/6 MONTH LIBOR Arm Interest In Arrears
2091 2/6 MONTH LIBOR Arm Interest In Arrears
2092 2/6 MONTH LIBOR Arm Interest In Arrears
2093 2/6 MONTH LIBOR Arm Interest In Arrears
2094 30YR FXD Fixed Interest In Arrears
2095 30YR FXD Fixed Interest In Arrears
2096 30YR FXD Fixed Interest In Arrears
2097 2/6 MONTH LIBOR Arm Interest In Arrears
2098 2/6 MONTH LIBOR Arm Interest In Arrears
2099 2/6 MONTH LIBOR Arm Interest In Arrears
2100 2/6 MONTH LIBOR Arm Interest In Arrears
2101 30YR FXD Fixed Interest In Arrears
2102 2/6 MONTH LIBOR Arm Interest In Arrears
2103 2/6 MONTH LIBOR Arm Interest In Arrears
2104 15YR FXD Fixed Interest In Arrears
2105 2/6 MONTH LIBOR Arm Interest In Arrears
2106 2/6 MONTH LIBOR Arm Interest In Arrears
2107 2/6 MONTH LIBOR Arm Interest In Arrears
2108 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2110 3/6 MONTH LIBOR Arm Interest In Arrears
2111 2/6 MONTH LIBOR Arm Interest In Arrears
2112 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2113 30YR FXD Fixed Interest In Arrears
2114 2/6 MONTH LIBOR Arm Interest In Arrears
2115 30YR FXD Fixed Interest In Arrears
2116 30YR FXD Fixed Interest In Arrears
2117 2/6 MONTH LIBOR Arm Interest In Arrears
2118 2/6 MONTH LIBOR Arm Interest In Arrears
2119 10 YR FIXED Fixed Interest In Arrears
2120 30YR FXD Fixed Interest In Arrears
2121 2/6 MONTH LIBOR Arm Interest In Arrears
2122 2/6 MONTH LIBOR Arm Interest In Arrears
2123 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2124 30YR FXD Fixed Interest In Arrears
2125 15YR FXD Fixed Interest In Arrears
2126 30YR FXD Fixed Interest In Arrears
2127 30YR FXD Fixed Interest In Arrears
2128 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2129 2/6 MONTH LIBOR Arm Interest In Arrears
2130 30YR FXD Fixed Interest In Arrears
2131 2/6 MONTH LIBOR Arm Interest In Arrears
2132 30YR FXD Fixed Interest In Arrears
2133 3/6 MONTH LIBOR Arm Interest In Arrears
2134 2/6 MONTH LIBOR Arm Interest In Arrears
2135 30YR FXD Fixed Interest In Arrears
2136 30YR FXD Fixed Interest In Arrears
2137 30YR FXD Fixed Interest In Arrears
2138 30YR FXD Fixed Interest In Arrears
2139 2/6 MONTH LIBOR Arm Interest In Arrears
2140 30YR FXD Fixed Interest In Arrears
2141 2/6 MONTH LIBOR Arm Interest In Arrears
2142 2/6 MONTH LIBOR Arm Interest In Arrears
2143 2/6 MONTH LIBOR Arm Interest In Arrears
2144 30YR FXD Fixed Interest In Arrears
2145 2/6 MONTH LIBOR Arm Interest In Arrears
2146 30YR FXD Fixed Interest In Arrears
2147 30YR FXD Fixed Interest In Arrears
2148 30YR FXD Fixed Interest In Arrears
2149 2/6 MONTH LIBOR Arm Interest In Arrears
2150 2/6 MONTH LIBOR Arm Interest In Arrears
2151 30YR FXD Fixed Interest In Arrears
2152 2/6 MONTH LIBOR Arm Interest In Arrears
2153 5/6 MONTH LIBOR Arm Interest In Arrears
2154 30YR FXD Fixed Interest In Arrears
2155 2/6 MONTH LIBOR Arm Interest In Arrears
2156 2/6 MONTH LIBOR Arm Interest In Arrears
2157 2/6 MONTH LIBOR Arm Interest In Arrears
2158 30YR FXD Fixed Interest In Arrears
2159 30YR FXD Fixed Interest In Arrears
2160 15YR FXD Fixed Interest In Arrears
2161 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2163 2/6 MONTH LIBOR Arm Interest In Arrears
2164 2/6 MONTH LIBOR Arm Interest In Arrears
2165 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2167 2/6 MONTH LIBOR Arm Interest In Arrears
2168 2/6 MONTH LIBOR Arm Interest In Arrears
2169 30YR FXD Fixed Interest In Arrears
2170 30YR FXD Fixed Interest In Arrears
2171 2/6 MONTH LIBOR Arm Interest In Arrears
2172 2/6 MONTH LIBOR Arm Interest In Arrears
2173 30YR FXD Fixed Interest In Arrears
2174 30YR FXD Fixed Interest In Arrears
2175 2/6 MONTH LIBOR Arm Interest In Arrears
2176 2/6 MONTH LIBOR Arm Interest In Arrears
2177 30YR FXD Fixed Interest In Arrears
2178 2/6 MONTH LIBOR Arm Interest In Arrears
2179 2/6 MONTH LIBOR Arm Interest In Arrears
2180 30YR FXD Fixed Interest In Arrears
2181 2/6 MONTH LIBOR Arm Interest In Arrears
2182 2/6 MONTH LIBOR Arm Interest In Arrears
2183 30YR FXD Fixed Interest In Arrears
2184 2/6 MONTH LIBOR Arm Interest In Arrears
2185 15YR FXD Fixed Interest In Arrears
2186 2/6 MONTH LIBOR Arm Interest In Arrears
2187 30YR FXD Fixed Interest In Arrears
2188 2/6 MONTH LIBOR Arm Interest In Arrears
2189 2/6 MONTH LIBOR Arm Interest In Arrears
2190 2/6 MONTH LIBOR Arm Interest In Arrears
2191 2/6 MONTH LIBOR Arm Interest In Arrears
2192 30YR FXD Fixed Interest In Arrears
2193 30YR FXD Fixed Interest In Arrears
2194 2/6 MONTH LIBOR Arm Interest In Arrears
2195 30YR FXD Fixed Interest In Arrears
2196 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2197 30YR FXD Fixed Interest In Arrears
2198 30YR FXD Fixed Interest In Arrears
2199 2/6 MONTH LIBOR Arm Interest In Arrears
2200 2/6 MONTH LIBOR Arm Interest In Arrears
2201 2/6 MONTH LIBOR Arm Interest In Arrears
2202 2/6 MONTH LIBOR Arm Interest In Arrears
2203 2/6 MONTH LIBOR Arm Interest In Arrears
2204 30YR FXD Fixed Interest In Arrears
2205 30YR FXD Fixed Interest In Arrears
2206 30YR FXD Fixed Interest In Arrears
2207 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2209 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2210 30YR FXD Fixed Interest In Arrears
2211 2/6 MONTH LIBOR Arm Interest In Arrears
2212 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2213 30YR FXD Fixed Interest In Arrears
2214 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2216 2/6 MONTH LIBOR Arm Interest In Arrears
2217 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2218 2/6 MONTH LIBOR Arm Interest In Arrears
2219 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2220 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2222 2/6 MONTH LIBOR Arm Interest In Arrears
2223 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2224 30YR FXD Fixed Interest In Arrears
2225 30YR FXD Fixed Interest In Arrears
2226 2/6 MONTH LIBOR Arm Interest In Arrears
2227 2/6 MONTH LIBOR Arm Interest In Arrears
2228 2/6 MONTH LIBOR Arm Interest In Arrears
2229 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2231 2/6 MONTH LIBOR Arm Interest In Arrears
2232 2/6 MONTH LIBOR Arm Interest In Arrears
2233 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2234 30YR FXD Fixed Interest In Arrears
2235 30YR FXD Fixed Interest In Arrears
2236 2/6 MONTH LIBOR Arm Interest In Arrears
2237 2/6 MONTH LIBOR Arm Interest In Arrears
2238 30YR FXD Fixed Interest In Arrears
2239 2/6 MONTH LIBOR Arm Interest In Arrears
2240 2/6 MONTH LIBOR Arm Interest In Arrears
2241 2/6 MONTH LIBOR Arm Interest In Arrears
2242 2/6 MONTH LIBOR Arm Interest In Arrears
2243 2/6 MONTH LIBOR Arm Interest In Arrears
2244 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2246 2/6 MONTH LIBOR Arm Interest In Arrears
2247 2/6 MONTH LIBOR Arm Interest In Arrears
2248 30YR FXD Fixed Interest In Arrears
2249 2/6 MONTH LIBOR Arm Interest In Arrears
2250 2/6 MONTH LIBOR Arm Interest In Arrears
2251 30YR FXD Fixed Interest In Arrears
2252 30YR FXD Fixed Interest In Arrears
2253 10 YR FIXED Fixed Interest In Arrears
2254 2/6 MONTH LIBOR Arm Interest In Arrears
2255 2/6 MONTH LIBOR Arm Interest In Arrears
2256 30YR FXD Fixed Interest In Arrears
2257 30YR FXD Fixed Interest In Arrears
2258 15YR FXD Fixed Interest In Arrears
2259 2/6 MONTH LIBOR Arm Interest In Arrears
2260 2/6 MONTH LIBOR Arm Interest In Arrears
2261 30YR FXD Fixed Interest In Arrears
2262 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2264 2/6 MONTH LIBOR Arm Interest In Arrears
2265 15YR FXD Fixed Interest In Arrears
2266 2/6 MONTH LIBOR Arm Interest In Arrears
2267 2/6 MONTH LIBOR Arm Interest In Arrears
2268 30YR FXD Fixed Interest In Arrears
2269 2/6 MONTH LIBOR Arm Interest In Arrears
2270 30YR FXD Fixed Interest In Arrears
2271 2/6 MONTH LIBOR Arm Interest In Arrears
2272 3/6 MONTH LIBOR Arm Interest In Arrears
2273 2/6 MONTH LIBOR Arm Interest In Arrears
2274 15YR FXD Fixed Interest In Arrears
2275 2/6 MONTH LIBOR Arm Interest In Arrears
2276 2/6 MONTH LIBOR Arm Interest In Arrears
2277 2/6 MONTH LIBOR Arm Interest In Arrears
2278 30YR FXD Fixed Interest In Arrears
2279 30YR FXD Fixed Interest In Arrears
2280 10 YR FIXED Fixed Interest In Arrears
2281 30YR FXD Fixed Interest In Arrears
2282 3/6 MONTH LIBOR Arm Interest In Arrears
2283 2/6 MONTH LIBOR Arm Interest In Arrears
2284 2/6 MONTH LIBOR Arm Interest In Arrears
2285 2/6 MONTH LIBOR Arm Interest In Arrears
2286 2/6 MONTH LIBOR Arm Interest In Arrears
2287 2/6 MONTH LIBOR Arm Interest In Arrears
2288 2/6 MONTH LIBOR Arm Interest In Arrears
2289 2/6 MONTH LIBOR Arm Interest In Arrears
2290 2/6 MONTH LIBOR Arm Interest In Arrears
2291 2/6 MONTH LIBOR Arm Interest In Arrears
2292 2/6 MONTH LIBOR Arm Interest In Arrears
2293 30YR FXD Fixed Interest In Arrears
2294 10 YR FIXED Fixed Interest In Arrears
2295 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2297 2/6 MONTH LIBOR Arm Interest In Arrears
2298 2/6 MONTH LIBOR Arm Interest In Arrears
2299 2/6 MONTH LIBOR Arm Interest In Arrears
2300 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2301 15YR FXD Fixed Interest In Arrears
2302 2/6 MONTH LIBOR Arm Interest In Arrears
2303 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2304 30YR FXD Fixed Interest In Arrears
2305 2/6 MONTH LIBOR Arm Interest In Arrears
2306 2/6 MONTH LIBOR Arm Interest In Arrears
2307 2/6 MONTH LIBOR Arm Interest In Arrears
2308 10 YR FIXED Fixed Interest In Arrears
2309 2/6 MONTH LIBOR Arm Interest In Arrears
2310 30YR FXD Fixed Interest In Arrears
2311 30YR FXD Fixed Interest In Arrears
2312 2/6 MONTH LIBOR Arm Interest In Arrears
2313 2/6 MONTH LIBOR Arm Interest In Arrears
2314 2/6 MONTH LIBOR Arm Interest In Arrears
2315 10 YR FIXED Fixed Interest In Arrears
2316 2/6 MONTH LIBOR Arm Interest In Arrears
2317 2/6 MONTH LIBOR Arm Interest In Arrears
2318 2/6 MONTH LIBOR Arm Interest In Arrears
2319 10 YR FIXED Fixed Interest In Arrears
2320 2/6 MONTH LIBOR Arm Interest In Arrears
2321 30YR FXD Fixed Interest In Arrears
2322 30YR FXD Fixed Interest In Arrears
2323 2/6 MONTH LIBOR Arm Interest In Arrears
2324 15YR FXD Fixed Interest In Arrears
2325 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2327 2/6 MONTH LIBOR Arm Interest In Arrears
2328 3/6 MONTH LIBOR Arm Interest In Arrears
2329 2/6 MONTH LIBOR Arm Interest In Arrears
2330 30YR FXD Fixed Interest In Arrears
2331 30YR FXD Fixed Interest In Arrears
2332 2/6 MONTH LIBOR Arm Interest In Arrears
2333 2/6 MONTH LIBOR Arm Interest In Arrears
2334 2/6 MONTH LIBOR Arm Interest In Arrears
2335 2/6 MONTH LIBOR Arm Interest In Arrears
2336 2/6 MONTH LIBOR Arm Interest In Arrears
2337 30YR FXD Fixed Interest In Arrears
2338 30YR FXD Fixed Interest In Arrears
2339 2/6 MONTH LIBOR Arm Interest In Arrears
2340 2/6 MONTH LIBOR Arm Interest In Arrears
2341 2/6 MONTH LIBOR Arm Interest In Arrears
2342 2/6 MONTH LIBOR Arm Interest In Arrears
2343 30YR FXD Fixed Interest In Arrears
2344 2/6 MONTH LIBOR Arm Interest In Arrears
2345 2/6 MONTH LIBOR Arm Interest In Arrears
2346 2/6 MONTH LIBOR Arm Interest In Arrears
2347 2/6 MONTH LIBOR Arm Interest In Arrears
2348 30YR FXD Fixed Interest In Arrears
2349 2/6 MONTH LIBOR Arm Interest In Arrears
2350 2/6 MONTH LIBOR Arm Interest In Arrears
2351 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2352 2/6 MONTH LIBOR Arm Interest In Arrears
2353 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2354 2/6 MONTH LIBOR Arm Interest In Arrears
2355 30YR FXD Fixed Interest In Arrears
2356 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2357 2/6 MONTH LIBOR Arm Interest In Arrears
2358 2/6 MONTH LIBOR Arm Interest In Arrears
2359 2/6 MONTH LIBOR Arm Interest In Arrears
2360 2/6 MONTH LIBOR Arm Interest In Arrears
2361 2/6 MONTH LIBOR Arm Interest In Arrears
2362 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2364 30YR FXD Fixed Interest In Arrears
2365 30YR FXD Fixed Interest In Arrears
2366 30YR FXD Fixed Interest In Arrears
2367 2/6 MONTH LIBOR Arm Interest In Arrears
2368 2/6 MONTH LIBOR Arm Interest In Arrears
2369 2/6 MONTH LIBOR Arm Interest In Arrears
2370 30YR FXD Fixed Interest In Arrears
2371 2/6 MONTH LIBOR Arm Interest In Arrears
2372 2/6 MONTH LIBOR Arm Interest In Arrears
2373 2/6 MONTH LIBOR Arm Interest In Arrears
2374 10 YR FIXED Fixed Interest In Arrears
2375 2/6 MONTH LIBOR Arm Interest In Arrears
2376 10 YR FIXED Fixed Interest In Arrears
2377 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2379 15YR FXD Fixed Interest In Arrears
2380 2/6 MONTH LIBOR Arm Interest In Arrears
2381 30YR FXD Fixed Interest In Arrears
2382 2/6 MONTH LIBOR Arm Interest In Arrears
2383 15YR FXD Fixed Interest In Arrears
2384 2/6 MONTH LIBOR Arm Interest In Arrears
2385 30YR FXD Fixed Interest In Arrears
2386 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2387 30YR FXD Fixed Interest In Arrears
2388 30YR FXD Fixed Interest In Arrears
2389 15YR FXD Fixed Interest In Arrears
2390 2/6 MONTH LIBOR Arm Interest In Arrears
2391 2/6 MONTH LIBOR Arm Interest In Arrears
2392 2/6 MONTH LIBOR Arm Interest In Arrears
2393 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2394 15YR FXD Fixed Interest In Arrears
2395 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2397 10 YR FIXED Fixed Interest In Arrears
2398 30YR FXD Fixed Interest In Arrears
2399 2/6 MONTH LIBOR Arm Interest In Arrears
2400 30YR FXD Fixed Interest In Arrears
2401 2/6 MONTH LIBOR Arm Interest In Arrears
2402 15YR FXD Fixed Interest In Arrears
2403 2/6 MONTH LIBOR Arm Interest In Arrears
2404 2/6 MONTH LIBOR Arm Interest In Arrears
2405 3/6 MONTH LIBOR Arm Interest In Arrears
2406 5/6 MONTH LIBOR Arm Interest In Arrears
2407 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2408 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2409 2/6 MONTH LIBOR Arm Interest In Arrears
2410 30YR FXD Fixed Interest In Arrears
2411 2/6 MONTH LIBOR Arm Interest In Arrears
2412 2/6 MONTH LIBOR Arm Interest In Arrears
2413 30YR FXD Fixed Interest In Arrears
2414 30YR FXD Fixed Interest In Arrears
2415 2/6 MONTH LIBOR Arm Interest In Arrears
2416 30YR FXD Fixed Interest In Arrears
2417 30YR FXD Fixed Interest In Arrears
2418 30YR FXD Fixed Interest In Arrears
2419 30YR FXD Fixed Interest In Arrears
2420 2/6 MONTH LIBOR Arm Interest In Arrears
2421 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2422 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2423 2/6 MONTH LIBOR Arm Interest In Arrears
2424 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2425 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2426 15YR BALLOON Fixed Interest In Arrears
2427 2/6 MONTH LIBOR Arm Interest In Arrears
2428 15YR BALLOON Fixed Interest In Arrears
2429 5/6 MONTH LIBOR Arm Interest In Arrears
2430 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2431 15YR BALLOON Fixed Interest In Arrears
2432 15YR FXD Fixed Interest In Arrears
2433 2/6 MONTH LIBOR Arm Interest In Arrears
2434 2/6 MONTH LIBOR Arm Interest In Arrears
2435 30YR FXD Fixed Interest In Arrears
2436 2/6 MONTH LIBOR Arm Interest In Arrears
2437 2/6 MONTH LIBOR Arm Interest In Arrears
2438 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2440 2/6 MONTH LIBOR Arm Interest In Arrears
2441 10 YR FIXED Fixed Interest In Arrears
2442 2/6 MONTH LIBOR Arm Interest In Arrears
2443 2/6 MONTH LIBOR Arm Interest In Arrears
2444 30YR FXD Fixed Interest In Arrears
2445 2/6 MONTH LIBOR Arm Interest In Arrears
2446 30YR FXD Fixed Interest In Arrears
2447 2/6 MONTH LIBOR Arm Interest In Arrears
2448 2/6 MONTH LIBOR Arm Interest In Arrears
2449 2/6 MONTH LIBOR Arm Interest In Arrears
2450 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2451 30YR FXD Fixed Interest In Arrears
2452 2/6 MONTH LIBOR Arm Interest In Arrears
2453 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2455 30YR FXD Fixed Interest In Arrears
2456 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2457 2/6 MONTH LIBOR Arm Interest In Arrears
2458 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2459 30YR FXD Fixed Interest In Arrears
2460 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2462 30YR FXD Fixed Interest In Arrears
2463 30YR FXD Fixed Interest In Arrears
2464 3/6 MONTH LIBOR Arm Interest In Arrears
2465 2/6 MONTH LIBOR Arm Interest In Arrears
2466 15YR BALLOON Fixed Interest In Arrears
2467 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2468 15YR BALLOON Fixed Interest In Arrears
2469 2/6 MONTH LIBOR Arm Interest In Arrears
2470 15YR BALLOON Fixed Interest In Arrears
2471 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2472 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2473 15YR BALLOON Fixed Interest In Arrears
2474 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2476 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2477 2/6 MONTH LIBOR Arm Interest In Arrears
2478 30YR FXD Fixed Interest In Arrears
2479 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2480 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2481 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2482 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2483 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2485 2/6 MONTH LIBOR Arm Interest In Arrears
2486 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2487 30YR FXD Fixed Interest In Arrears
2488 2/6 MONTH LIBOR Arm Interest In Arrears
2489 20YR FXD Fixed Interest In Arrears
2490 30YR FXD Fixed Interest In Arrears
2491 30YR FXD Fixed Interest In Arrears
2492 2/6 MONTH LIBOR Arm Interest In Arrears
2493 2/6 MONTH LIBOR Arm Interest In Arrears
2494 30YR FXD Fixed Interest In Arrears
2495 2/6 MONTH LIBOR Arm Interest In Arrears
2496 30YR FXD Fixed Interest In Arrears
2497 30YR FXD Fixed Interest In Arrears
2498 30YR FXD Fixed Interest In Arrears
2499 30YR FXD Fixed Interest In Arrears
2500 30YR FXD Fixed Interest In Arrears
2501 2/6 MONTH LIBOR Arm Interest In Arrears
2502 2/6 MONTH LIBOR Arm Interest In Arrears
2503 2/6 MONTH LIBOR Arm Interest In Arrears
2504 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
2505 2/6 MONTH LIBOR Arm Interest In Arrears
2506 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2507 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2509 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2510 15YR BALLOON Fixed Interest In Arrears
2511 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2512 15YR BALLOON Fixed Interest In Arrears
2513 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2515 15YR BALLOON Fixed Interest In Arrears
2516 2/6 MONTH LIBOR Arm Interest In Arrears
2517 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2518 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2519 15YR BALLOON Fixed Interest In Arrears
2520 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2522 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2523 15YR BALLOON Fixed Interest In Arrears
2524 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2525 15YR BALLOON Fixed Interest In Arrears
2526 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2527 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2528 15YR BALLOON Fixed Interest In Arrears
2529 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2530 15YR BALLOON Fixed Interest In Arrears
2531 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2532 15YR BALLOON Fixed Interest In Arrears
2533 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2534 30YR FXD Fixed Interest In Arrears
2535 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2536 15YR BALLOON Fixed Interest In Arrears
2537 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2539 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2541 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2542 15YR BALLOON Fixed Interest In Arrears
2543 2/6 MONTH LIBOR Arm Interest In Arrears
2544 2/6 MONTH LIBOR Arm Interest In Arrears
2545 2/6 MONTH LIBOR Arm Interest In Arrears
2546 30YR FXD Fixed Interest In Arrears
2547 15YR BALLOON Fixed Interest In Arrears
2548 15YR BALLOON Fixed Interest In Arrears
2549 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2550 15YR BALLOON Fixed Interest In Arrears
2551 30YR FXD Fixed Interest In Arrears
2552 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2554 2/6 MONTH LIBOR Arm Interest In Arrears
2555 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2557 2/6 MONTH LIBOR Arm Interest In Arrears
2558 2/6 MONTH LIBOR Arm Interest In Arrears
2559 2/6 MONTH LIBOR Arm Interest In Arrears
2560 2/6 MONTH LIBOR Arm Interest In Arrears
2561 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2562 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2563 15YR BALLOON Fixed Interest In Arrears
2564 2/6 MONTH LIBOR Arm Interest In Arrears
2565 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2566 30YR FXD Fixed Interest In Arrears
2567 2/6 MONTH LIBOR Arm Interest In Arrears
2568 2/6 MONTH LIBOR Arm Interest In Arrears
2569 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2571 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2572 15YR BALLOON Fixed Interest In Arrears
2573 2/6 MONTH LIBOR Arm Interest In Arrears
2574 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2575 15YR BALLOON Fixed Interest In Arrears
2576 2/6 MONTH LIBOR Arm Interest In Arrears
2577 2/6 MONTH LIBOR Arm Interest In Arrears
2578 30YR FXD Fixed Interest In Arrears
2579 2/6 MONTH LIBOR Arm Interest In Arrears
2580 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2581 15YR BALLOON Fixed Interest In Arrears
2582 2/6 MONTH LIBOR Arm Interest In Arrears
2583 2/6 MONTH LIBOR Arm Interest In Arrears
2584 2/6 MONTH LIBOR Arm Interest In Arrears
2585 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2586 15YR BALLOON Fixed Interest In Arrears
2587 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2589 3/6 MONTH LIBOR Arm Interest In Arrears
2590 3/6 MONTH LIBOR Arm Interest In Arrears
2591 2/6 MONTH LIBOR Arm Interest In Arrears
2592 2/6 MONTH LIBOR Arm Interest In Arrears
2593 15YR BALLOON Fixed Interest In Arrears
2594 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2595 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2596 30YR FXD Fixed Interest In Arrears
2597 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2599 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2600 15YR BALLOON Fixed Interest In Arrears
2601 15YR BALLOON Fixed Interest In Arrears
2602 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2603 15YR BALLOON Fixed Interest In Arrears
2604 30YR FXD Fixed Interest In Arrears
2605 2/6 MONTH LIBOR Arm Interest In Arrears
2606 15YR BALLOON Fixed Interest In Arrears
2607 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2608 30YR FXD Fixed Interest In Arrears
2609 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2610 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2611 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2612 30YR FXD Fixed Interest In Arrears
2613 2/6 MONTH LIBOR Arm Interest In Arrears
2614 3/6 MONTH LIBOR Arm Interest In Arrears
2615 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2617 15YR BALLOON Fixed Interest In Arrears
2618 2/6 MONTH LIBOR Arm Interest In Arrears
2619 30YR FXD Fixed Interest In Arrears
2620 3/6 MONTH LIBOR Arm Interest In Arrears
2621 30YR FXD Fixed Interest In Arrears
2622 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2624 2/6 MONTH LIBOR Arm Interest In Arrears
2625 2/6 MONTH LIBOR Arm Interest In Arrears
2626 2/6 MONTH LIBOR Arm Interest In Arrears
2627 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2629 2/6 MONTH LIBOR Arm Interest In Arrears
2630 2/6 MONTH LIBOR Arm Interest In Arrears
2631 2/6 MONTH LIBOR Arm Interest In Arrears
2632 5/6 MONTH LIBOR Arm Interest In Arrears
2633 2/6 MONTH LIBOR Arm Interest In Arrears
2634 2/6 MONTH LIBOR Arm Interest In Arrears
2635 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2636 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2637 15YR BALLOON Fixed Interest In Arrears
2638 2/6 MONTH LIBOR Arm Interest In Arrears
2639 2/6 MONTH LIBOR Arm Interest In Arrears
2640 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2642 2/6 MONTH LIBOR Arm Interest In Arrears
2643 15YR BALLOON Fixed Interest In Arrears
2644 15YR BALLOON Fixed Interest In Arrears
2645 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2646 15YR BALLOON Fixed Interest In Arrears
2647 15YR BALLOON Fixed Interest In Arrears
2648 30YR FXD Fixed Interest In Arrears
2649 2/6 MONTH LIBOR Arm Interest In Arrears
2650 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2651 15YR BALLOON Fixed Interest In Arrears
2652 15YR BALLOON Fixed Interest In Arrears
2653 2/6 MONTH LIBOR Arm Interest In Arrears
2654 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2656 15YR BALLOON Fixed Interest In Arrears
2657 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2658 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2659 15YR BALLOON Fixed Interest In Arrears
2660 15YR FXD Fixed Interest In Arrears
2661 2/6 MONTH LIBOR Arm Interest In Arrears
2662 2/6 MONTH LIBOR Arm Interest In Arrears
2663 15YR BALLOON Fixed Interest In Arrears
2664 2/6 MONTH LIBOR Arm Interest In Arrears
2665 15YR BALLOON Fixed Interest In Arrears
2666 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2668 2/6 MONTH LIBOR Arm Interest In Arrears
2669 2/6 MONTH LIBOR Arm Interest In Arrears
2670 2/6 MONTH LIBOR Arm Interest In Arrears
2671 15YR BALLOON Fixed Interest In Arrears
2672 2/6 MONTH LIBOR Arm Interest In Arrears
2673 2/6 MONTH LIBOR Arm Interest In Arrears
2674 5/6 MONTH LIBOR Arm Interest In Arrears
2675 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2676 30YR FXD Fixed Interest In Arrears
2677 2/6 MONTH LIBOR Arm Interest In Arrears
2678 30YR FXD Fixed Interest In Arrears
2679 2/6 MONTH LIBOR Arm Interest In Arrears
2680 2/6 MONTH LIBOR Arm Interest In Arrears
2681 30YR FXD - 60 MONTH IO Fixed Interest Only
2682 15YR BALLOON Fixed Interest In Arrears
2683 15YR BALLOON Fixed Interest In Arrears
2684 2/6 MONTH LIBOR Arm Interest In Arrears
2685 2/6 MONTH LIBOR Arm Interest In Arrears
2686 30YR FXD Fixed Interest In Arrears
2687 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2688 15YR BALLOON Fixed Interest In Arrears
2689 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2690 15YR BALLOON Fixed Interest In Arrears
2691 15YR BALLOON Fixed Interest In Arrears
2692 2/6 MONTH LIBOR Arm Interest In Arrears
2693 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2695 5/6 MONTH LIBOR Arm Interest In Arrears
2696 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2698 2/6 MONTH LIBOR Arm Interest In Arrears
2699 2/6 MONTH LIBOR Arm Interest In Arrears
2700 30YR FXD Fixed Interest In Arrears
2701 2/6 MONTH LIBOR Arm Interest In Arrears
2702 30YR FXD Fixed Interest In Arrears
2703 2/6 MONTH LIBOR Arm Interest In Arrears
2704 30YR FXD Fixed Interest In Arrears
2705 30YR FXD Fixed Interest In Arrears
2706 2/6 MONTH LIBOR Arm Interest In Arrears
2707 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2708 15YR BALLOON Fixed Interest In Arrears
2709 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2710 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2711 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2712 15YR BALLOON Fixed Interest In Arrears
2713 15YR BALLOON Fixed Interest In Arrears
2714 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2715 15YR BALLOON Fixed Interest In Arrears
2716 3/6 MONTH LIBOR Arm Interest In Arrears
2717 2/6 MONTH LIBOR Arm Interest In Arrears
2718 15YR BALLOON Fixed Interest In Arrears
2719 2/6 MONTH LIBOR Arm Interest In Arrears
2720 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2721 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2722 15YR BALLOON Fixed Interest In Arrears
2723 2/6 MONTH LIBOR Arm Interest In Arrears
2724 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2726 2/6 MONTH LIBOR Arm Interest In Arrears
2727 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2728 15YR BALLOON Fixed Interest In Arrears
2729 15YR BALLOON Fixed Interest In Arrears
2730 2/6 MONTH LIBOR Arm Interest In Arrears
2731 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2732 15YR BALLOON Fixed Interest In Arrears
2733 2/6 MONTH LIBOR Arm Interest In Arrears
2734 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2735 30YR FXD Fixed Interest In Arrears
2736 30YR FXD Fixed Interest In Arrears
2737 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2739 3/6 MONTH LIBOR Arm Interest In Arrears
2740 30YR FXD Fixed Interest In Arrears
2741 3/6 MONTH LIBOR Arm Interest In Arrears
2742 2/6 MONTH LIBOR Arm Interest In Arrears
2743 2/6 MONTH LIBOR Arm Interest In Arrears
2744 15YR BALLOON Fixed Interest In Arrears
2745 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2746 15YR BALLOON Fixed Interest In Arrears
2747 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2749 2/6 MONTH LIBOR Arm Interest In Arrears
2750 2/6 MONTH LIBOR Arm Interest In Arrears
2751 2/6 MONTH LIBOR Arm Interest In Arrears
2752 15YR BALLOON Fixed Interest In Arrears
2753 2/6 MONTH LIBOR Arm Interest In Arrears
2754 2/6 MONTH LIBOR Arm Interest In Arrears
2755 3/6 MONTH LIBOR Arm Interest In Arrears
2756 5/6 MONTH LIBOR Arm Interest In Arrears
2757 30YR FXD Fixed Interest In Arrears
2758 2/6 MONTH LIBOR Arm Interest In Arrears
2759 2/6 MONTH LIBOR Arm Interest In Arrears
2760 15YR BALLOON Fixed Interest In Arrears
2761 2/6 MONTH LIBOR Arm Interest In Arrears
2762 2/6 MONTH LIBOR Arm Interest In Arrears
2763 2/6 MONTH LIBOR Arm Interest In Arrears
2764 30YR FXD Fixed Interest In Arrears
2765 30YR FXD Fixed Interest In Arrears
2766 2/6 MONTH LIBOR Arm Interest In Arrears
2767 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2768 30YR FXD Fixed Interest In Arrears
2769 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2770 30YR FXD Fixed Interest In Arrears
2771 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2772 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2773 15YR BALLOON Fixed Interest In Arrears
2774 30YR FXD Fixed Interest In Arrears
2775 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2776 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2777 15YR BALLOON Fixed Interest In Arrears
2778 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2779 30YR FXD - 60 MONTH IO Fixed Interest Only
2780 15YR BALLOON Fixed Interest In Arrears
2781 2/6 MONTH LIBOR Arm Interest In Arrears
2782 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2783 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2784 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2785 15YR BALLOON Fixed Interest In Arrears
2786 5/6 MONTH LIBOR Arm Interest In Arrears
2787 2/6 MONTH LIBOR Arm Interest In Arrears
2788 2/6 MONTH LIBOR Arm Interest In Arrears
2789 2/6 MONTH LIBOR Arm Interest In Arrears
2790 2/6 MONTH LIBOR Arm Interest In Arrears
2791 30YR FXD Fixed Interest In Arrears
2792 15YR BALLOON Fixed Interest In Arrears
2793 15YR BALLOON Fixed Interest In Arrears
2794 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2795 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2797 30YR FXD Fixed Interest In Arrears
2798 2/6 MONTH LIBOR Arm Interest In Arrears
2799 2/6 MONTH LIBOR -120 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2801 2/6 MONTH LIBOR Arm Interest In Arrears
2802 15YR BALLOON Fixed Interest In Arrears
2803 3/6 MONTH LIBOR Arm Interest In Arrears
2804 2/6 MONTH LIBOR Arm Interest In Arrears
2805 2/6 MONTH LIBOR Arm Interest In Arrears
2806 15YR BALLOON Fixed Interest In Arrears
2807 2/6 MONTH LIBOR Arm Interest In Arrears
2808 2/6 MONTH LIBOR Arm Interest In Arrears
2809 30YR FXD Fixed Interest In Arrears
2810 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2811 30YR FXD Fixed Interest In Arrears
2812 15YR BALLOON Fixed Interest In Arrears
2813 2/6 MONTH LIBOR Arm Interest In Arrears
2814 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2815 15YR BALLOON Fixed Interest In Arrears
2816 3/6 MONTH LIBOR Arm Interest In Arrears
2817 15YR BALLOON Fixed Interest In Arrears
2818 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2820 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2822 2/6 MONTH LIBOR Arm Interest In Arrears
2823 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2824 15YR BALLOON Fixed Interest In Arrears
2825 2/6 MONTH LIBOR Arm Interest In Arrears
2826 2/6 MONTH LIBOR Arm Interest In Arrears
2827 2/6 MONTH LIBOR Arm Interest In Arrears
2828 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2829 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2830 15YR BALLOON Fixed Interest In Arrears
2831 15YR BALLOON Fixed Interest In Arrears
2832 2/6 MONTH LIBOR Arm Interest In Arrears
2833 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2835 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2836 15YR BALLOON Fixed Interest In Arrears
2837 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2838 15YR BALLOON Fixed Interest In Arrears
2839 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2840 15YR BALLOON Fixed Interest In Arrears
2841 15YR BALLOON Fixed Interest In Arrears
2842 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2843 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2844 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2846 15YR BALLOON Fixed Interest In Arrears
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2848 2/6 MONTH LIBOR Arm Interest In Arrears
2849 30YR FXD Fixed Interest In Arrears
2850 2/6 MONTH LIBOR Arm Interest In Arrears
2851 30YR FXD Fixed Interest In Arrears
2852 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2854 15YR BALLOON Fixed Interest In Arrears
2855 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2856 15YR BALLOON Fixed Interest In Arrears
2857 5/6 MONTH LIBOR Arm Interest In Arrears
2858 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2860 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2862 15YR BALLOON Fixed Interest In Arrears
2863 2/6 MONTH LIBOR Arm Interest In Arrears
2864 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2865 15YR BALLOON Fixed Interest In Arrears
2866 15YR BALLOON Fixed Interest In Arrears
2867 15YR BALLOON Fixed Interest In Arrears
2868 15YR BALLOON Fixed Interest In Arrears
2869 2/6 MONTH LIBOR Arm Interest In Arrears
2870 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2871 15YR BALLOON Fixed Interest In Arrears
2872 2/6 MONTH LIBOR Arm Interest In Arrears
2873 15YR BALLOON Fixed Interest In Arrears
2874 15YR BALLOON Fixed Interest In Arrears
2875 30YR FXD Fixed Interest In Arrears
2876 2/6 MONTH LIBOR Arm Interest In Arrears
2877 2/6 MONTH LIBOR Arm Interest In Arrears
2878 3/6 MONTH LIBOR Arm Interest In Arrears
2879 2/6 MONTH LIBOR Arm Interest In Arrears
2880 15YR BALLOON Fixed Interest In Arrears
2881 2/6 MONTH LIBOR Arm Interest In Arrears
2882 30YR FXD Fixed Interest In Arrears
2883 15YR BALLOON Fixed Interest In Arrears
2884 15YR BALLOON Fixed Interest In Arrears
2885 30YR FXD - 60 MONTH IO Fixed Interest Only
2886 15YR BALLOON Fixed Interest In Arrears
2887 15YR BALLOON Fixed Interest In Arrears
2888 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2890 2/6 MONTH LIBOR Arm Interest In Arrears
2891 3/6 MONTH LIBOR - 36 MONTH IO Arm Interest Only
2892 15YR BALLOON Fixed Interest In Arrears
2893 2/6 MONTH LIBOR Arm Interest In Arrears
2894 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2896 2/6 MONTH LIBOR Arm Interest In Arrears
2897 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2898 15YR BALLOON Fixed Interest In Arrears
2899 15YR BALLOON Fixed Interest In Arrears
2900 2/6 MONTH LIBOR Arm Interest In Arrears
2901 15YR BALLOON Fixed Interest In Arrears
2902 30YR FXD Fixed Interest In Arrears
2903 3/6 MONTH LIBOR Arm Interest In Arrears
2904 30YR FXD Fixed Interest In Arrears
2905 2/6 MONTH LIBOR Arm Interest In Arrears
2906 15YR BALLOON Fixed Interest In Arrears
2907 15YR BALLOON Fixed Interest In Arrears
2908 15YR BALLOON Fixed Interest In Arrears
2909 2/6 MONTH LIBOR Arm Interest In Arrears
2910 2/6 MONTH LIBOR Arm Interest In Arrears
2911 15YR BALLOON Fixed Interest In Arrears
2912 2/6 MONTH LIBOR Arm Interest In Arrears
2913 2/6 MONTH LIBOR Arm Interest In Arrears
2914 15YR BALLOON Fixed Interest In Arrears
2915 2/6 MONTH LIBOR Arm Interest In Arrears
2916 15YR BALLOON Fixed Interest In Arrears
2917 30YR FXD Fixed Interest In Arrears
2918 2/6 MONTH LIBOR Arm Interest In Arrears
2919 2/6 MONTH LIBOR Arm Interest In Arrears
2920 30YR FXD Fixed Interest In Arrears
2921 3/6 MONTH LIBOR Arm Interest In Arrears
2922 2/6 MONTH LIBOR Arm Interest In Arrears
2923 2/6 MONTH LIBOR Arm Interest In Arrears
2924 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2926 30YR FXD Fixed Interest In Arrears
2927 15YR BALLOON Fixed Interest In Arrears
2928 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2929 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2930 30YR FXD Fixed Interest In Arrears
2931 2/6 MONTH LIBOR Arm Interest In Arrears
2932 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2933 30YR FXD -120 MONTH IO Fixed Interest Only
2934 15YR BALLOON Fixed Interest In Arrears
2935 2/6 MONTH LIBOR Arm Interest In Arrears
2936 30YR FXD Fixed Interest In Arrears
2937 15YR BALLOON Fixed Interest In Arrears
2938 2/6 MONTH LIBOR Arm Interest In Arrears
2939 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2941 2/6 MONTH LIBOR Arm Interest In Arrears
2942 2/6 MONTH LIBOR Arm Interest In Arrears
2943 2/6 MONTH LIBOR Arm Interest In Arrears
2944 10 YR FIXED Fixed Interest In Arrears
2945 30YR FXD Fixed Interest In Arrears
2946 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2948 2/6 MONTH LIBOR Arm Interest In Arrears
2949 2/6 MONTH LIBOR Arm Interest In Arrears
2950 15YR BALLOON Fixed Interest In Arrears
2951 2/6 MONTH LIBOR Arm Interest In Arrears
2952 2/6 MONTH LIBOR Arm Interest In Arrears
2953 30YR FXD Fixed Interest In Arrears
2954 30YR FXD Fixed Interest In Arrears
2955 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2957 30YR FXD Fixed Interest In Arrears
2958 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2959 15YR BALLOON Fixed Interest In Arrears
2960 2/6 MONTH LIBOR Arm Interest In Arrears
2961 15YR BALLOON Fixed Interest In Arrears
2962 15YR BALLOON Fixed Interest In Arrears
2963 2/6 MONTH LIBOR Arm Interest In Arrears
2964 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2966 15YR BALLOON Fixed Interest In Arrears
2967 2/6 MONTH LIBOR Arm Interest In Arrears
2968 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2969 15YR BALLOON Fixed Interest In Arrears
2970 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2972 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2973 15YR BALLOON Fixed Interest In Arrears
2974 15YR BALLOON Fixed Interest In Arrears
2975 15YR BALLOON Fixed Interest In Arrears
2976 2/6 MONTH LIBOR Arm Interest In Arrears
2977 2/6 MONTH LIBOR Arm Interest In Arrears
2978 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2979 15YR BALLOON Fixed Interest In Arrears
2980 15YR FXD Fixed Interest In Arrears
2981 2/6 MONTH LIBOR Arm Interest In Arrears
2982 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
2983 15YR BALLOON Fixed Interest In Arrears
2984 3/6 MONTH LIBOR Arm Interest In Arrears
2985 15YR BALLOON Fixed Interest In Arrears
2986 15YR BALLOON Fixed Interest In Arrears
2987 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
2989 2/6 MONTH LIBOR Arm Interest In Arrears
2990 2/6 MONTH LIBOR Arm Interest In Arrears
2991 15YR BALLOON Fixed Interest In Arrears
2992 30YR FXD Fixed Interest In Arrears
2993 15YR BALLOON Fixed Interest In Arrears
2994 2/6 MONTH LIBOR Arm Interest In Arrears
2995 2/6 MONTH LIBOR Arm Interest In Arrears
2996 3/6 MONTH LIBOR Arm Interest In Arrears
2997 30YR FXD Fixed Interest In Arrears
2998 3/6 MONTH LIBOR Arm Interest In Arrears
2999 2/6 MONTH LIBOR Arm Interest In Arrears
3000 15YR BALLOON Fixed Interest In Arrears
3001 15YR BALLOON Fixed Interest In Arrears
3002 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3004 3/6 MONTH LIBOR Arm Interest In Arrears
3005 15YR BALLOON Fixed Interest In Arrears
3006 30YR FXD Fixed Interest In Arrears
3007 2/6 MONTH LIBOR Arm Interest In Arrears
3008 3/6 MONTH LIBOR Arm Interest In Arrears
3009 2/6 MONTH LIBOR Arm Interest In Arrears
3010 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3011 30YR FXD Fixed Interest In Arrears
3012 15YR BALLOON Fixed Interest In Arrears
3013 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3014 30YR FXD Fixed Interest In Arrears
3015 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3016 30YR FXD Fixed Interest In Arrears
3017 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3019 2/6 MONTH LIBOR Arm Interest In Arrears
3020 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3021 15YR BALLOON Fixed Interest In Arrears
3022 2/6 MONTH LIBOR Arm Interest In Arrears
3023 2/6 MONTH LIBOR Arm Interest In Arrears
3024 15YR BALLOON Fixed Interest In Arrears
3025 2/6 MONTH LIBOR Arm Interest In Arrears
3026 15YR BALLOON Fixed Interest In Arrears
3027 2/6 MONTH LIBOR Arm Interest In Arrears
3028 15YR BALLOON Fixed Interest In Arrears
3029 30YR FXD Fixed Interest In Arrears
3030 30YR FXD Fixed Interest In Arrears
3031 15YR FXD Fixed Interest In Arrears
3032 15YR BALLOON Fixed Interest In Arrears
3033 3/6 MONTH LIBOR Arm Interest In Arrears
3034 2/6 MONTH LIBOR Arm Interest In Arrears
3035 15YR BALLOON Fixed Interest In Arrears
3036 2/6 MONTH LIBOR Arm Interest In Arrears
3037 15YR BALLOON Fixed Interest In Arrears
3038 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3039 30YR FXD Fixed Interest In Arrears
3040 2/6 MONTH LIBOR Arm Interest In Arrears
3041 2/6 MONTH LIBOR Arm Interest In Arrears
3042 15YR BALLOON Fixed Interest In Arrears
3043 30YR FXD Fixed Interest In Arrears
3044 2/6 MONTH LIBOR Arm Interest In Arrears
3045 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3047 30YR FXD Fixed Interest In Arrears
3048 5/6 MONTH LIBOR Arm Interest In Arrears
3049 2/6 MONTH LIBOR Arm Interest In Arrears
3050 2/6 MONTH LIBOR Arm Interest In Arrears
3051 30YR FXD Fixed Interest In Arrears
3052 15YR BALLOON Fixed Interest In Arrears
3053 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3054 15YR BALLOON Fixed Interest In Arrears
3055 15YR BALLOON Fixed Interest In Arrears
3056 15YR BALLOON Fixed Interest In Arrears
3057 2/6 MONTH LIBOR Arm Interest In Arrears
3058 3/6 MONTH LIBOR Arm Interest In Arrears
3059 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3060 15YR BALLOON Fixed Interest In Arrears
3061 2/6 MONTH LIBOR Arm Interest In Arrears
3062 30YR FXD Fixed Interest In Arrears
3063 30YR FXD - 60 MONTH IO Fixed Interest Only
3064 2/6 MONTH LIBOR Arm Interest In Arrears
3065 30YR FXD Fixed Interest In Arrears
3066 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3068 15YR BALLOON Fixed Interest In Arrears
3069 30YR FXD Fixed Interest In Arrears
3070 5/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3071 15YR BALLOON Fixed Interest In Arrears
3072 3/6 MONTH LIBOR Arm Interest In Arrears
3073 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3075 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3076 15YR FXD Fixed Interest In Arrears
3077 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3079 2/6 MONTH LIBOR Arm Interest In Arrears
3080 30YR FXD Fixed Interest In Arrears
3081 2/6 MONTH LIBOR Arm Interest In Arrears
3082 2/6 MONTH LIBOR Arm Interest In Arrears
3083 2/6 MONTH LIBOR Arm Interest In Arrears
3084 30YR FXD Fixed Interest In Arrears
3085 2/6 MONTH LIBOR Arm Interest In Arrears
3086 2/6 MONTH LIBOR Arm Interest In Arrears
3087 10 YR FIXED Fixed Interest In Arrears
3088 15YR FXD Fixed Interest In Arrears
3089 30YR FXD Fixed Interest In Arrears
3090 30YR FXD Fixed Interest In Arrears
3091 2/6 MONTH LIBOR Arm Interest In Arrears
3092 2/6 MONTH LIBOR Arm Interest In Arrears
3093 10 YR FIXED Fixed Interest In Arrears
3094 2/6 MONTH LIBOR Arm Interest In Arrears
3095 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3097 10 YR FIXED Fixed Interest In Arrears
3098 30YR FXD Fixed Interest In Arrears
3099 10 YR FIXED Fixed Interest In Arrears
3100 30YR FXD Fixed Interest In Arrears
3101 30YR FXD Fixed Interest In Arrears
3102 2/6 MONTH LIBOR Arm Interest In Arrears
3103 2/6 MONTH LIBOR Arm Interest In Arrears
3104 10 YR FIXED Fixed Interest In Arrears
3105 10 YR FIXED Fixed Interest In Arrears
3106 2/6 MONTH LIBOR Arm Interest In Arrears
3107 2/6 MONTH LIBOR Arm Interest In Arrears
3108 2/6 MONTH LIBOR Arm Interest In Arrears
3109 2/6 MONTH LIBOR Arm Interest In Arrears
3110 15YR FXD Fixed Interest In Arrears
3111 30YR FXD Fixed Interest In Arrears
3112 2/6 MONTH LIBOR Arm Interest In Arrears
3113 2/6 MONTH LIBOR Arm Interest In Arrears
3114 30YR FXD Fixed Interest In Arrears
3115 2/6 MONTH LIBOR Arm Interest In Arrears
3116 2/6 MONTH LIBOR Arm Interest In Arrears
3117 2/6 MONTH LIBOR Arm Interest In Arrears
3118 15YR FXD Fixed Interest In Arrears
3119 30YR FXD Fixed Interest In Arrears
3120 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3122 30YR FXD Fixed Interest In Arrears
3123 15YR FXD Fixed Interest In Arrears
3124 2/6 MONTH LIBOR Arm Interest In Arrears
3125 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3126 30YR FXD Fixed Interest In Arrears
3127 30YR FXD Fixed Interest In Arrears
3128 30YR FXD Fixed Interest In Arrears
3129 2/6 MONTH LIBOR Arm Interest In Arrears
3130 30YR FXD Fixed Interest In Arrears
3131 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3133 2/6 MONTH LIBOR Arm Interest In Arrears
3134 2/6 MONTH LIBOR Arm Interest In Arrears
3135 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3136 10 YR FIXED Fixed Interest In Arrears
3137 30YR FXD Fixed Interest In Arrears
3138 2/6 MONTH LIBOR Arm Interest In Arrears
3139 10 YR FIXED Fixed Interest In Arrears
3140 10 YR FIXED Fixed Interest In Arrears
3141 2/6 MONTH LIBOR Arm Interest In Arrears
3142 30YR FXD Fixed Interest In Arrears
3143 2/6 MONTH LIBOR Arm Interest In Arrears
3144 30YR FXD Fixed Interest In Arrears
3145 10 YR FIXED Fixed Interest In Arrears
3146 30YR FXD Fixed Interest In Arrears
3147 15YR FXD Fixed Interest In Arrears
3148 30YR FXD Fixed Interest In Arrears
3149 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3150 30YR FXD Fixed Interest In Arrears
3151 2/6 MONTH LIBOR Arm Interest In Arrears
3152 2/6 MONTH LIBOR Arm Interest In Arrears
3153 30YR FXD Fixed Interest In Arrears
3154 2/6 MONTH LIBOR Arm Interest In Arrears
3155 2/6 MONTH LIBOR Arm Interest In Arrears
3156 2/6 MONTH LIBOR Arm Interest In Arrears
3157 2/6 MONTH LIBOR Arm Interest In Arrears
3158 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3160 2/6 MONTH LIBOR Arm Interest In Arrears
3161 3/6 MONTH LIBOR Arm Interest In Arrears
3162 30YR FXD Fixed Interest In Arrears
3163 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3165 2/6 MONTH LIBOR Arm Interest In Arrears
3166 15YR FXD Fixed Interest In Arrears
3167 15YR FXD Fixed Interest In Arrears
3168 2/6 MONTH LIBOR Arm Interest In Arrears
3169 30YR FXD Fixed Interest In Arrears
3170 15YR FXD Fixed Interest In Arrears
3171 30YR FXD Fixed Interest In Arrears
3172 30YR FXD Fixed Interest In Arrears
3173 15YR FXD Fixed Interest In Arrears
3174 15YR FXD Fixed Interest In Arrears
3175 2/6 MONTH LIBOR Arm Interest In Arrears
3176 2/6 MONTH LIBOR Arm Interest In Arrears
3177 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3178 10 YR FIXED Fixed Interest In Arrears
3179 30YR FXD Fixed Interest In Arrears
3180 30YR FXD Fixed Interest In Arrears
3181 2/6 MONTH LIBOR Arm Interest In Arrears
3182 30YR FXD Fixed Interest In Arrears
3183 30YR FXD Fixed Interest In Arrears
3184 20YR FXD Fixed Interest In Arrears
3185 2/6 MONTH LIBOR Arm Interest In Arrears
3186 30YR FXD Fixed Interest In Arrears
3187 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3189 2/6 MONTH LIBOR Arm Interest In Arrears
3190 2/6 MONTH LIBOR Arm Interest In Arrears
3191 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3193 30YR FXD Fixed Interest In Arrears
3194 3/6 MONTH LIBOR Arm Interest In Arrears
3195 30YR FXD Fixed Interest In Arrears
3196 2/6 MONTH LIBOR Arm Interest In Arrears
3197 30YR FXD Fixed Interest In Arrears
3198 2/6 MONTH LIBOR Arm Interest In Arrears
3199 15YR FXD Fixed Interest In Arrears
3200 10 YR FIXED Fixed Interest In Arrears
3201 10 YR FIXED Fixed Interest In Arrears
3202 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3203 30YR FXD Fixed Interest In Arrears
3204 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3205 30YR FXD Fixed Interest In Arrears
3206 2/6 MONTH LIBOR Arm Interest In Arrears
3207 2/6 MONTH LIBOR Arm Interest In Arrears
3208 2/6 MONTH LIBOR Arm Interest In Arrears
3209 30YR FXD Fixed Interest In Arrears
3210 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3211 30YR FXD Fixed Interest In Arrears
3212 10 YR FIXED Fixed Interest In Arrears
3213 2/6 MONTH LIBOR Arm Interest In Arrears
3214 30YR FXD Fixed Interest In Arrears
3215 30YR FXD Fixed Interest In Arrears
3216 30YR FXD Fixed Interest In Arrears
3217 30YR FXD Fixed Interest In Arrears
3218 2/6 MONTH LIBOR Arm Interest In Arrears
3219 30YR FXD Fixed Interest In Arrears
3220 10 YR FIXED Fixed Interest In Arrears
3221 2/6 MONTH LIBOR Arm Interest In Arrears
3222 30YR FXD Fixed Interest In Arrears
3223 30YR FXD Fixed Interest In Arrears
3224 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3225 10 YR FIXED Fixed Interest In Arrears
3226 30YR FXD Fixed Interest In Arrears
3227 2/6 MONTH LIBOR Arm Interest In Arrears
3228 2/6 MONTH LIBOR Arm Interest In Arrears
3229 30YR FXD Fixed Interest In Arrears
3230 30YR FXD Fixed Interest In Arrears
3231 10 YR FIXED Fixed Interest In Arrears
3232 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3233 30YR FXD Fixed Interest In Arrears
3234 30YR FXD Fixed Interest In Arrears
3235 2/6 MONTH LIBOR Arm Interest In Arrears
3236 2/6 MONTH LIBOR Arm Interest In Arrears
3237 30YR FXD Fixed Interest In Arrears
3238 30YR FXD Fixed Interest In Arrears
3239 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3240 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3242 30YR FXD Fixed Interest In Arrears
3243 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3244 30YR FXD Fixed Interest In Arrears
3245 2/6 MONTH LIBOR Arm Interest In Arrears
3246 30YR FXD Fixed Interest In Arrears
3247 30YR FXD Fixed Interest In Arrears
3248 30YR FXD Fixed Interest In Arrears
3249 2/6 MONTH LIBOR Arm Interest In Arrears
3250 30YR FXD Fixed Interest In Arrears
3251 2/6 MONTH LIBOR Arm Interest In Arrears
3252 30YR FXD Fixed Interest In Arrears
3253 2/6 MONTH LIBOR Arm Interest In Arrears
3254 15YR FXD Fixed Interest In Arrears
3255 2/6 MONTH LIBOR Arm Interest In Arrears
3256 2/6 MONTH LIBOR Arm Interest In Arrears
3257 2/6 MONTH LIBOR Arm Interest In Arrears
3258 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3259 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3261 30YR FXD Fixed Interest In Arrears
3262 2/6 MONTH LIBOR Arm Interest In Arrears
3263 15YR FXD Fixed Interest In Arrears
3264 2/6 MONTH LIBOR Arm Interest In Arrears
3265 2/6 MONTH LIBOR Arm Interest In Arrears
3266 2/6 MONTH LIBOR Arm Interest In Arrears
3267 30YR FXD Fixed Interest In Arrears
3268 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3270 2/6 MONTH LIBOR Arm Interest In Arrears
3271 10 YR FIXED Fixed Interest In Arrears
3272 2/6 MONTH LIBOR Arm Interest In Arrears
3273 30YR FXD Fixed Interest In Arrears
3274 2/6 MONTH LIBOR Arm Interest In Arrears
3275 30YR FXD Fixed Interest In Arrears
3276 30YR FXD Fixed Interest In Arrears
3277 5/6 MONTH LIBOR Arm Interest In Arrears
3278 30YR FXD Fixed Interest In Arrears
3279 2/6 MONTH LIBOR Arm Interest In Arrears
3280 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3281 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3283 15YR FXD Fixed Interest In Arrears
3284 2/6 MONTH LIBOR Arm Interest In Arrears
3285 2/6 MONTH LIBOR Arm Interest In Arrears
3286 2/6 MONTH LIBOR Arm Interest In Arrears
3287 30YR FXD Fixed Interest In Arrears
3288 30YR FXD Fixed Interest In Arrears
3289 2/6 MONTH LIBOR Arm Interest In Arrears
3290 30YR FXD Fixed Interest In Arrears
3291 30YR FXD Fixed Interest In Arrears
3292 15YR FXD Fixed Interest In Arrears
3293 30YR FXD Fixed Interest In Arrears
3294 2/6 MONTH LIBOR Arm Interest In Arrears
3295 30YR FXD Fixed Interest In Arrears
3296 2/6 MONTH LIBOR Arm Interest In Arrears
3297 2/6 MONTH LIBOR Arm Interest In Arrears
3298 15YR BALLOON Fixed Interest In Arrears
3299 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3301 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3302 15YR BALLOON Fixed Interest In Arrears
3303 2/6 MONTH LIBOR Arm Interest In Arrears
3304 15YR BALLOON Fixed Interest In Arrears
3305 2/6 MONTH LIBOR Arm Interest In Arrears
3306 2/6 MONTH LIBOR Arm Interest In Arrears
3307 2/6 MONTH LIBOR Arm Interest In Arrears
3308 2/6 MONTH LIBOR Arm Interest In Arrears
3309 30YR FXD Fixed Interest In Arrears
3310 30YR FXD Fixed Interest In Arrears
3311 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3312 15YR BALLOON Fixed Interest In Arrears
3313 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3314 15YR FXD Fixed Interest In Arrears
3315 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3316 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3317 30YR FXD Fixed Interest In Arrears
3318 15YR FXD Fixed Interest In Arrears
3319 2/6 MONTH LIBOR Arm Interest In Arrears
3320 2/6 MONTH LIBOR Arm Interest In Arrears
3321 2/6 MONTH LIBOR Arm Interest In Arrears
3322 2/6 MONTH LIBOR Arm Interest In Arrears
3323 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3325 30YR FXD Fixed Interest In Arrears
3326 30YR FXD Fixed Interest In Arrears
3327 30YR FXD Fixed Interest In Arrears
3328 30YR FXD Fixed Interest In Arrears
3329 30YR FXD Fixed Interest In Arrears
3330 2/6 MONTH LIBOR Arm Interest In Arrears
3331 30YR FXD Fixed Interest In Arrears
3332 10 YR FIXED Fixed Interest In Arrears
3333 2/6 MONTH LIBOR Arm Interest In Arrears
3334 30YR FXD Fixed Interest In Arrears
3335 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3336 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3338 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3340 2/6 MONTH LIBOR Arm Interest In Arrears
3341 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3342 30YR FXD Fixed Interest In Arrears
3343 30YR FXD Fixed Interest In Arrears
3344 30YR FXD Fixed Interest In Arrears
3345 30YR FXD Fixed Interest In Arrears
3346 2/6 MONTH LIBOR Arm Interest In Arrears
3347 2/6 MONTH LIBOR Arm Interest In Arrears
3348 30YR FXD Fixed Interest In Arrears
3349 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3350 3/6 MONTH LIBOR Arm Interest In Arrears
3351 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3352 30YR FXD Fixed Interest In Arrears
3353 2/6 MONTH LIBOR Arm Interest In Arrears
3354 15YR FXD Fixed Interest In Arrears
3355 30YR FXD Fixed Interest In Arrears
3356 2/6 MONTH LIBOR Arm Interest In Arrears
3357 2/6 MONTH LIBOR Arm Interest In Arrears
3358 2/6 MONTH LIBOR Arm Interest In Arrears
3359 15YR FXD Fixed Interest In Arrears
3360 2/6 MONTH LIBOR Arm Interest In Arrears
3361 2/6 MONTH LIBOR Arm Interest In Arrears
3362 30YR FXD Fixed Interest In Arrears
3363 2/6 MONTH LIBOR Arm Interest In Arrears
3364 2/6 MONTH LIBOR Arm Interest In Arrears
3365 30YR FXD Fixed Interest In Arrears
3366 2/6 MONTH LIBOR Arm Interest In Arrears
3367 2/6 MONTH LIBOR Arm Interest In Arrears
3368 2/6 MONTH LIBOR Arm Interest In Arrears
3369 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3371 2/6 MONTH LIBOR Arm Interest In Arrears
3372 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3373 2/6 MONTH LIBOR Arm Interest In Arrears
3374 30YR FXD Fixed Interest In Arrears
3375 2/6 MONTH LIBOR Arm Interest In Arrears
3376 30YR FXD Fixed Interest In Arrears
3377 30YR FXD Fixed Interest In Arrears
3378 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3380 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3381 30YR FXD Fixed Interest In Arrears
3382 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3383 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3385 2/6 MONTH LIBOR Arm Interest In Arrears
3386 30YR FXD Fixed Interest In Arrears
3387 2/6 MONTH LIBOR Arm Interest In Arrears
3388 2/6 MONTH LIBOR Arm Interest In Arrears
3389 15YR BALLOON Fixed Interest In Arrears
3390 2/6 MONTH LIBOR Arm Interest In Arrears
3391 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3393 2/6 MONTH LIBOR Arm Interest In Arrears
3394 2/6 MONTH LIBOR Arm Interest In Arrears
3395 30YR FXD Fixed Interest In Arrears
3396 15YR BALLOON Fixed Interest In Arrears
3397 15YR BALLOON Fixed Interest In Arrears
3398 2/6 MONTH LIBOR Arm Interest In Arrears
3399 2/6 MONTH LIBOR Arm Interest In Arrears
3400 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3401 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3403 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3405 2/6 MONTH LIBOR Arm Interest In Arrears
3406 2/6 MONTH LIBOR Arm Interest In Arrears
3407 2/6 MONTH LIBOR Arm Interest In Arrears
3408 2/6 MONTH LIBOR Arm Interest In Arrears
3409 2/6 MONTH LIBOR Arm Interest In Arrears
3410 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3412 2/6 MONTH LIBOR Arm Interest In Arrears
3413 2/6 MONTH LIBOR Arm Interest In Arrears
3414 15YR BALLOON Fixed Interest In Arrears
3415 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3417 15YR BALLOON Fixed Interest In Arrears
3418 2/6 MONTH LIBOR Arm Interest In Arrears
3419 2/6 MONTH LIBOR Arm Interest In Arrears
3420 2/6 MONTH LIBOR Arm Interest In Arrears
3421 2/6 MONTH LIBOR Arm Interest In Arrears
3422 15YR BALLOON Fixed Interest In Arrears
3423 2/6 MONTH LIBOR Arm Interest In Arrears
3424 15YR BALLOON Fixed Interest In Arrears
3425 15YR BALLOON Fixed Interest In Arrears
3426 15YR BALLOON Fixed Interest In Arrears
3427 3/6 MONTH LIBOR Arm Interest In Arrears
3428 15YR BALLOON Fixed Interest In Arrears
3429 2/6 MONTH LIBOR Arm Interest In Arrears
3430 30YR FXD Fixed Interest In Arrears
3431 3/6 MONTH LIBOR Arm Interest In Arrears
3432 15YR BALLOON Fixed Interest In Arrears
3433 3/6 MONTH LIBOR Arm Interest In Arrears
3434 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3436 30YR FXD Fixed Interest In Arrears
3437 3/6 MONTH LIBOR Arm Interest In Arrears
3438 2/6 MONTH LIBOR Arm Interest In Arrears
3439 15YR BALLOON Fixed Interest In Arrears
3440 2/6 MONTH LIBOR Arm Interest In Arrears
3441 15YR BALLOON Fixed Interest In Arrears
3442 15YR BALLOON Fixed Interest In Arrears
3443 30YR FXD Fixed Interest In Arrears
3444 2/6 MONTH LIBOR Arm Interest In Arrears
3445 30YR FXD Fixed Interest In Arrears
3446 15YR BALLOON Fixed Interest In Arrears
3447 2/6 MONTH LIBOR Arm Interest In Arrears
3448 2/6 MONTH LIBOR Arm Interest In Arrears
3449 2/6 MONTH LIBOR Arm Interest In Arrears
3450 15YR FXD Fixed Interest In Arrears
3451 2/6 MONTH LIBOR Arm Interest In Arrears
3452 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3453 15YR BALLOON Fixed Interest In Arrears
3454 30YR FXD Fixed Interest In Arrears
3455 2/6 MONTH LIBOR Arm Interest In Arrears
3456 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3457 30YR FXD Fixed Interest In Arrears
3458 3/6 MONTH LIBOR Arm Interest In Arrears
3459 2/6 MONTH LIBOR Arm Interest In Arrears
3460 2/6 MONTH LIBOR Arm Interest In Arrears
3461 2/6 MONTH LIBOR Arm Interest In Arrears
3462 3/6 MONTH LIBOR Arm Interest In Arrears
3463 30YR FXD Fixed Interest In Arrears
3464 2/6 MONTH LIBOR Arm Interest In Arrears
3465 2/6 MONTH LIBOR Arm Interest In Arrears
3466 2/6 MONTH LIBOR Arm Interest In Arrears
3467 30YR FXD Fixed Interest In Arrears
3468 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3470 2/6 MONTH LIBOR Arm Interest In Arrears
3471 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3472 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3473 30YR FXD Fixed Interest In Arrears
3474 2/6 MONTH LIBOR Arm Interest In Arrears
3475 2/6 MONTH LIBOR Arm Interest In Arrears
3476 2/6 MONTH LIBOR Arm Interest In Arrears
3477 15YR BALLOON Fixed Interest In Arrears
3478 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3480 3/6 MONTH LIBOR Arm Interest In Arrears
3481 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3483 15YR BALLOON Fixed Interest In Arrears
3484 2/6 MONTH LIBOR Arm Interest In Arrears
3485 2/6 MONTH LIBOR Arm Interest In Arrears
3486 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3488 15YR BALLOON Fixed Interest In Arrears
3489 2/6 MONTH LIBOR Arm Interest In Arrears
3490 30YR FXD Fixed Interest In Arrears
3491 2/6 MONTH LIBOR Arm Interest In Arrears
3492 2/6 MONTH LIBOR Arm Interest In Arrears
3493 2/6 MONTH LIBOR Arm Interest In Arrears
3494 15YR BALLOON Fixed Interest In Arrears
3495 15YR BALLOON Fixed Interest In Arrears
3496 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3497 15YR BALLOON Fixed Interest In Arrears
3498 2/6 MONTH LIBOR Arm Interest In Arrears
3499 2/6 MONTH LIBOR Arm Interest In Arrears
3500 3/6 MONTH LIBOR Arm Interest In Arrears
3501 15YR BALLOON Fixed Interest In Arrears
3502 30YR FXD -120 MONTH IO Fixed Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3504 3/6 MONTH LIBOR Arm Interest In Arrears
3505 2/6 MONTH LIBOR Arm Interest In Arrears
3506 2/6 MONTH LIBOR Arm Interest In Arrears
3507 30YR FXD Fixed Interest In Arrears
3508 2/6 MONTH LIBOR Arm Interest In Arrears
3509 2/6 MONTH LIBOR Arm Interest In Arrears
3510 30YR FXD Fixed Interest In Arrears
3511 30YR FXD Fixed Interest In Arrears
3512 30YR FXD Fixed Interest In Arrears
3513 2/6 MONTH LIBOR Arm Interest In Arrears
3514 2/6 MONTH LIBOR Arm Interest In Arrears
3515 2/6 MONTH LIBOR Arm Interest In Arrears
3516 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3518 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3520 2/6 MONTH LIBOR Arm Interest In Arrears
3521 30YR FXD Fixed Interest In Arrears
3522 2/6 MONTH LIBOR Arm Interest In Arrears
3523 2/6 MONTH LIBOR Arm Interest In Arrears
3524 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3526 15YR FXD Fixed Interest In Arrears
3527 2/6 MONTH LIBOR Arm Interest In Arrears
3528 15YR FXD Fixed Interest In Arrears
3529 2/6 MONTH LIBOR Arm Interest In Arrears
3530 30YR FXD Fixed Interest In Arrears
3531 2/6 MONTH LIBOR Arm Interest In Arrears
3532 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3533 30YR FXD Fixed Interest In Arrears
3534 15YR FXD Fixed Interest In Arrears
3535 30YR FXD Fixed Interest In Arrears
3536 2/6 MONTH LIBOR Arm Interest In Arrears
3537 2/6 MONTH LIBOR Arm Interest In Arrears
3538 2/6 MONTH LIBOR Arm Interest In Arrears
3539 2/6 MONTH LIBOR Arm Interest In Arrears
3540 2/6 MONTH LIBOR Arm Interest In Arrears
3541 30YR FXD Fixed Interest In Arrears
3542 2/6 MONTH LIBOR Arm Interest In Arrears
3543 2/6 MONTH LIBOR Arm Interest In Arrears
3544 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3545 30YR FXD Fixed Interest In Arrears
3546 30YR FXD Fixed Interest In Arrears
3547 2/6 MONTH LIBOR Arm Interest In Arrears
3548 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3549 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3550 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3552 30YR FXD Fixed Interest In Arrears
3553 30YR FXD Fixed Interest In Arrears
3554 30YR FXD Fixed Interest In Arrears
3555 30YR FXD Fixed Interest In Arrears
3556 2/6 MONTH LIBOR Arm Interest In Arrears
3557 2/6 MONTH LIBOR Arm Interest In Arrears
3558 30YR FXD Fixed Interest In Arrears
3559 30YR FXD Fixed Interest In Arrears
3560 30YR FXD Fixed Interest In Arrears
3561 2/6 MONTH LIBOR Arm Interest In Arrears
3562 2/6 MONTH LIBOR Arm Interest In Arrears
3563 30YR FXD Fixed Interest In Arrears
3564 2/6 MONTH LIBOR Arm Interest In Arrears
3565 2/6 MONTH LIBOR Arm Interest In Arrears
3566 2/6 MONTH LIBOR Arm Interest In Arrears
3567 2/6 MONTH LIBOR Arm Interest In Arrears
3568 30YR FXD Fixed Interest In Arrears
3569 30YR FXD Fixed Interest In Arrears
3570 2/6 MONTH LIBOR Arm Interest In Arrears
3571 30YR FXD Fixed Interest In Arrears
3572 2/6 MONTH LIBOR Arm Interest In Arrears
3573 2/6 MONTH LIBOR Arm Interest In Arrears
3574 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3575 2/6 MONTH LIBOR Arm Interest In Arrears
3576 30YR FXD Fixed Interest In Arrears
3577 30YR FXD Fixed Interest In Arrears
3578 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3579 30YR FXD Fixed Interest In Arrears
3580 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3581 20YR FXD Fixed Interest In Arrears
3582 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3583 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3584 15YR FXD Fixed Interest In Arrears
3585 30YR FXD Fixed Interest In Arrears
3586 15YR BALLOON Fixed Interest In Arrears
3587 2/6 MONTH LIBOR Arm Interest In Arrears
3588 30YR FXD Fixed Interest In Arrears
3589 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3590 30YR FXD Fixed Interest In Arrears
3591 2/6 MONTH LIBOR Arm Interest In Arrears
3592 15YR FXD Fixed Interest In Arrears
3593 2/6 MONTH LIBOR Arm Interest In Arrears
3594 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3595 10 YR FIXED Fixed Interest In Arrears
3596 2/6 MONTH LIBOR Arm Interest In Arrears
3597 3/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3598 30YR FXD Fixed Interest In Arrears
3599 2/6 MONTH LIBOR Arm Interest In Arrears
3600 2/6 MONTH LIBOR Arm Interest In Arrears
3601 2/6 MONTH LIBOR Arm Interest In Arrears
3602 30YR FXD Fixed Interest In Arrears
3603 2/6 MONTH LIBOR Arm Interest In Arrears
3604 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3606 30YR FXD Fixed Interest In Arrears
3607 30YR FXD Fixed Interest In Arrears
3608 2/6 MONTH LIBOR Arm Interest In Arrears
3609 2/6 MONTH LIBOR Arm Interest In Arrears
3610 2/6 MONTH LIBOR Arm Interest In Arrears
3611 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3612 30YR FXD Fixed Interest In Arrears
3613 2/6 MONTH LIBOR Arm Interest In Arrears
3614 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3615 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3617 20YR FXD Fixed Interest In Arrears
3618 2/6 MONTH LIBOR Arm Interest In Arrears
3619 2/6 MONTH LIBOR Arm Interest In Arrears
3620 2/6 MONTH LIBOR Arm Interest In Arrears
3621 2/6 MONTH LIBOR Arm Interest In Arrears
3622 30YR FXD Fixed Interest In Arrears
3623 3/6 MONTH LIBOR Arm Interest In Arrears
3624 10 YR FIXED Fixed Interest In Arrears
3625 30YR FXD Fixed Interest In Arrears
3626 30YR FXD Fixed Interest In Arrears
3627 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
3628 30YR FXD Fixed Interest In Arrears
3629 2/6 MONTH LIBOR Arm Interest In Arrears
3630 2/6 MONTH LIBOR Arm Interest In Arrears
3631 2/6 MONTH LIBOR Arm Interest In Arrears
3632 2/6 MONTH LIBOR Arm Interest In Arrears
3633 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3635 2/6 MONTH LIBOR Arm Interest In Arrears
3636 2/6 MONTH LIBOR - 40 yr Arm Interest In Arrears
3637 30YR FXD Fixed Interest In Arrears
3638 30YR FXD Fixed Interest In Arrears
3639 30YR FXD Fixed Interest In Arrears
3640 30YR FXD Fixed Interest In Arrears
3641 30YR FXD Fixed Interest In Arrears
3642 2/6 MONTH LIBOR Arm Interest In Arrears
3643 2/6 MONTH LIBOR Arm Interest In Arrears
3644 2/6 MONTH LIBOR - 60 MONTH IO Arm Interest Only
▇▇▇▇ ▇/▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ Interest In Arrears
3646 30YR FXD Fixed Interest In Arrears
3647 30YR FXD Fixed Interest In Arrears
3648 2/6 MONTH LIBOR Arm Interest In Arrears
3649 30YR FXD Fixed Interest In Arrears
3650 30YR FXD Fixed Interest In Arrears
3651 6 MONTH LIBOR Arm Interest In Arrears
3652 2/6 MONTH LIBOR Arm Interest In Arrears
Loan Number Original Balance Current Balance Original Rate Note Rate
----------- ---------------- --------------- ------------- ---------
1 109500 109277.36 9.4 9.4
2 99200 99026.44 8.72 8.72
3 217600 216928.22 7.35 7.35
4 115920 115663.31 8.99 8.99
5 159000 158007.89 9 9
6 415000 411791.81 6.25 6.25
7 296400 294317.83 6.75 6.75
8 128000 127635.84 8.875 8.875
9 89000 88671.65 8.525 8.525
10 100000 99665.39 8.8 8.8
11 108500 108191.36 8.875 8.875
12 346750 344652.8 6 6
13 268000 268000 6.625 6.625
14 67000 66845.23 10.75 10.75
15 130000 129504.15 8.35 8.35
16 95200 94878.78 8.95 8.95
17 49050 48886.19 9 9
18 161000 160228.21 6.25 6.25
19 351500 349658.48 6.75 6.75
20 135000 135000 6.6 6.6
21 74100 73904.31 8.2 8.2
22 110500 110474.95 7.975 7.975
23 108900 108565.43 8.5 8.5
24 422100 422100 8.95 8.95
25 82400 82219.24 10.99 10.99
26 600000 599827.5 6.5 6.5
27 186000 186000 6.425 6.425
28 213750 213750 6.9 6.9
29 524000 524000 5.75 5.75
30 146400 145625.52 6.7 6.7
31 36600 36510.81 10.5 10.5
32 585000 583800 5.3 5.3
33 119250 118891.01 9.5 9.5
34 256000 256000 6.5 6.5
35 64000 63895.74 11.5 11.5
36 274993 274993 6.2 6.2
37 374400 374400 7.5 7.5
38 82500 82448.11 6.95 6.95
39 97000 96721.54 9.75 9.75
40 280000 280000 7.175 7.175
41 520000 519999.76 6.5 6.5
42 29300 29246.79 11 11
43 282445 280733.45 5.99 5.99
44 576000 573920.22 7.7 7.7
45 127000 126414.12 7.4 7.4
46 307120 307120 5.825 5.825
47 208400 207220.77 6.35 6.35
48 240250 239115.03 6.35 6.35
49 200273 199139.74 6.35 6.35
50 131750 131313.37 6.99 6.99
51 373500 372003.5 7.175 7.175
52 130000 129594.69 7.3 7.3
53 265500 264165.17 6 6
54 282000 280608.88 6.1 6.1
55 290000 289104.52 8.475 8.475
56 660000 660000 5.75 5.75
57 144800 144429.03 7.025 7.025
58 490000 489997.05 5.75 5.75
59 677600 677600 5.5 5.5
60 492000 492000 5.75 5.75
61 220500 220500 6.99 6.99
62 64000 63802.87 8 8
63 75000 74683.62 7.85 7.85
64 232000 231512.3 6.25 6.25
65 296000 293810.58 5.7 5.7
66 319960 319960 6.575 6.575
67 115200 115200 6.99 6.99
68 143200 143200 5.125 5.125
69 475000 473030.37 7 7
70 50600 49923.87 11.95 11.95
71 156750 156132.81 6.8 6.8
72 57800 57678.37 10.125 10.125
73 233100 231882.94 5.8 5.8
74 488000 488000 6.375 6.375
75 122000 121690.79 11.25 11.25
76 435000 432812.43 6 6
77 125000 125000 7 7
78 160000 159398.83 7.5 7.5
79 117000 116439.02 6.25 6.25
80 261250 260238.77 7.35 7.35
81 205000 204229.73 7.5 7.5
82 268000 268000 6.99 6.99
83 284000 284000 6.5 6.5
84 71000 70870.81 10.99 10.99
85 362000 362000 6.675 6.675
86 134100 133539.9 7.9 7.9
87 396000 396000 6.4 6.4
88 248000 248000 6.5 6.5
89 146900 144335.16 6.25 6.25
90 213600 213590.51 6.675 6.675
91 53400 53301.53 11 11
92 67000 66890.65 11.49 11.49
93 457200 420086.31 5.925 5.925
94 187500 187006.41 9.25 9.25
95 480000 477698.96 6.25 6.25
96 73000 72881.11 11.5 11.5
97 90000 89855.03 10.5 10.5
98 121275 120861.16 7.99 7.99
99 212500 212500 5.99 5.99
100 320000 318889.91 7.9 7.9
101 300000 299727.05 6.5 6.5
102 160000 159510.94 8.525 8.525
103 85000 84711.01 8 8
104 149400 148959.41 8.7 8.7
105 67600 67308.55 6.8 6.8
106 140000 139335.26 6.3 6.3
107 360000 360000 6.625 6.625
108 75000 74812.61 9.5 9.5
109 156000 155266.32 6.35 6.35
110 232400 232400 6.99 6.99
111 58100 57991.61 10.875 10.875
112 240000 238810.47 6.075 6.075
113 210000 209888.89 6.35 6.35
114 78850 78604.94 10.75 10.75
115 94000 93526.46 7.75 7.75
116 71750 71336.16 6.25 6.25
117 108000 107534.87 7.8 7.8
118 460000 458490.32 8.175 8.175
119 224000 222965.9 6.45 6.45
120 125000 124661.11 8 8
121 212000 211465.22 6.9 6.9
122 87000 86485.15 7 7
123 184000 183373.03 7.375 7.375
124 637000 635269.7 7.99 7.99
125 296000 295315.41 7.34 7.34
126 107000 106709.92 8 8
127 247000 245904.79 7.6 7.6
128 65600 64840.05 10.5 10.5
129 82500 82500 7.125 7.125
130 27500 27467.14 11.875 11.875
131 684000 684000 6.45 6.45
132 216000 215376.8 7.69 7.69
133 164500 163896.65 6.5 6.5
134 215000 214431.7 8.125 8.125
135 120000 119610.81 7.1 7.1
136 255000 254434.37 7.55 7.55
137 96460 96364.03 11.375 11.375
138 72000 71908.62 10.25 10.25
139 100000 99865.45 9.975 9.975
140 43000 42945.42 10.25 10.25
141 83200 83015.64 7.55 7.55
142 75400 75275.86 11.45 11.45
143 57000 56884.13 9.4 9.4
144 224000 223940.5 6.375 6.375
145 44000 43925.05 8.85 8.85
146 346500 346500 8.025 8.025
147 129600 129239.71 7.875 7.875
148 254450 253736.44 8.95 8.95
149 322000 320389.95 6.99 6.99
150 91700 91457.62 8.125 8.125
151 600000 597689.01 7.375 7.375
152 141000 140566.87 7.375 7.375
153 750000 750000 7.4 7.4
154 79000 78904.77 10.49 10.49
155 49200 49112.31 8.63 8.63
156 64531 64432.98 9.4 9.4
157 150000 149999.97 6.6 6.6
158 316000 316000 7.25 7.25
159 247750 247242.84 7.95 7.95
160 196800 196354.65 7.45 7.45
161 39400 39357.46 11 11
162 250000 249375.54 6.95 6.95
163 116000 115680.62 6.45 6.45
164 37000 36959.94 10.99 10.99
165 272000 271992 7.2 7.2
166 176000 175542.82 6.75 6.75
167 29000 28967.99 10.9 10.9
168 112000 111857.11 10.225 10.225
169 232000 231485.3 7.55 7.55
170 118400 118143.41 7.7 7.7
171 101000 100815.12 8.5 8.5
172 200000 199560.79 7.6 7.6
173 102000 102000 7.35 7.35
174 560000 559391.35 7.2 7.2
175 148000 147690.87 7.85 7.85
176 75000 74787.15 6.7 6.7
177 340000 339396.54 8.65 8.65
178 508000 508000 6.35 6.35
179 270000 269455.05 5.6 5.6
180 184000 183478.54 6.3 6.3
181 160000 159441.84 5.2 5.2
182 386400 385823.1 6.95 6.95
183 138400 138080.52 7.35 7.35
184 340800 340800 6.2 6.2
185 12350 11891.67 11.99 11.99
186 34600 34542.73 8.99 8.99
187 664000 664000 7.75 7.75
188 212000 211294.06 5.45 5.45
189 56100 55995.17 8.4 8.4
190 156900 156726.88 10.9 10.9
191 5745 5669.25 11.99 11.99
192 187500 187297.14 10.99 10.99
193 59600 59511.35 9.5 9.5
194 204000 204000 6.99 6.99
195 61000 60902.38 9.15 9.15
196 40350 40288.7 9.4 9.4
197 280000 279300.58 6.95 6.95
198 51000 50924.13 9.5 9.5
199 320000 319206.94 6.99 6.99
200 70000 69924.25 10.99 10.99
201 44000 43946.96 10.49 10.49
202 750000 748495.5 8.05 8.05
203 464000 462829.57 6.9 6.9
204 150000 149663.91 7.5 7.5
205 112000 111799.11 8.599 8.599
206 310000 309284.43 7.35 7.35
207 496000 495500 6.3 6.3
208 74000 73906.08 10.25 10.25
209 49800 49717.76 9 9
210 124000 123816.51 9.525 9.525
211 140000 139756.56 8.75 8.75
212 123600 123600 7.24 7.24
213 85200 85070.59 9.4 9.4
214 126000 125706.08 7.3 7.3
215 232720 232720 6.7 6.7
216 78195 78065.61 8.99 8.99
217 30900 30864.97 10.775 10.775
218 192000 191610.15 7.99 7.99
219 8995 8881.54 12.75 12.75
220 46000 45938.29 9.99 9.99
221 16000 15897.33 11.4 11.4
222 61000 60939.64 11.4 11.4
223 58180 58083.73 8.99 8.99
224 150000 150000 6.1 6.1
225 52000 51917.65 9.2 9.2
226 126400 126110.53 7.39 7.39
227 97400 97269.37 9.99 9.99
228 345000 344144.97 6.99 6.99
229 62980 62915.59 11.25 11.25
230 250000 249812.5 6.75 6.75
231 46000 45951.67 11.125 11.125
232 428000 426821.59 6.45 6.45
233 80000 79885.74 9.75 9.75
234 105000 104843.82 9.5 9.5
235 460000 460000 6.05 6.05
236 750000 750000 8.4 8.4
237 187500 187337.07 11.99 11.99
238 245000 244720.8 10.75 10.75
239 300000 300000 6.25 6.25
240 237600 237108.71 7.9 7.9
241 272000 272000 6.3 6.3
242 187000 186523.65 6.85 6.85
243 311250 310464.87 6.9 6.9
244 950000 948015.76 7.85 7.85
245 80000 79903.76 10.5 10.5
246 430000 428706.89 5.99 5.99
247 11850 11691.62 11.75 11.75
248 113000 112706.48 6.75 6.75
249 22000 21858.51 11.375 11.375
250 120400 120292.68 11.875 11.875
251 520000 520000 5.6 5.6
252 97400 97269.37 9.99 9.99
253 378250 378250 6.55 6.55
254 88000 87773.62 6.8 6.8
255 75000 74883.06 9.275 9.275
256 175200 174762.36 6.95 6.95
257 107500 107302.81 8.49 8.49
258 67590 67494.6 9.75 9.75
259 256000 255744.2 7.5 7.5
260 185000 184848.93 8.2 8.2
261 43800 43733.45 9.4 9.4
262 80000 79877.85 9.375 9.375
263 68000 67896.17 9.375 9.375
264 120000 119700.25 6.95 6.95
265 47000 46930.46 9.525 9.525
266 178600 178199.86 7.5 7.5
267 261600 261130.91 8.6 8.6
268 188000 188000 6.95 6.95
269 162500 162239.95 9.15 9.15
270 280000 279455.13 8.2 8.2
271 64000 63909.69 9.75 9.75
272 64000 63892.1 8.9 8.9
273 204800 204353.81 7.64 7.64
274 43000 42948.55 10.525 10.525
275 732000 729696.22 5.75 5.75
276 84300 84199.7 10.55 10.55
277 30000 29964.09 10.525 10.525
278 118400 118232.93 9.75 9.75
279 184000 183531.3 6.85 6.85
280 5500 5364.42 11.99 11.99
281 83600 83459.08 8.9 8.9
282 82000 81860.67 9.99 9.99
283 101600 101372.35 7.5 7.5
284 126000 126000 7.25 7.25
285 10850 10442.2 11.5 11.5
286 304000 303443.58 8.5 8.5
287 43400 43352.1 10.9 10.9
288 451000 450691.06 8.8 8.8
289 6150 6068.03 11.8 11.8
290 89600 89503.05 10.99 10.99
291 722500 720881.31 7.5 7.5
292 153400 153183.53 9.75 9.75
293 300000 299654.13 6.99 6.99
294 123000 122817.03 9.5 9.5
295 341600 340721.29 6.8 6.8
296 320000 319999.97 6.25 6.25
297 125000 124771.19 8.5 8.5
298 303000 302756.16 8.25 8.25
299 73000 72925.77 11.275 11.275
300 220000 219482.02 7.25 7.25
301 26600 26564.33 9.99 9.99
302 250000 249379.57 6.99 6.99
303 294000 293271.36 6.99 6.99
304 464000 464000 6.5 6.5
305 112000 111894.49 11.625 11.625
306 88000 87904.79 10.99 10.99
307 116000 115836.32 9.75 9.75
308 37400 37343.18 9.4 9.4
309 88000 87810.56 7.7 7.7
310 148000 147626.67 6.9 6.9
311 87500 87394.76 10.5 10.5
312 85400 85285.46 9.99 9.99
313 76000 75904.08 10.275 10.275
314 312000 311269.89 7.75 7.75
315 130000 129792.7 9.5 9.5
316 106000 105866.35 10.28 10.28
317 52800 52746 11.25 11.25
318 77000 76840.41 7.9 7.9
319 106000 105767.2 7.6 7.6
320 248800 248147.39 6.7 6.7
321 520000 518568.29 6.45 6.45
322 234000 233740.43 10.875 10.875
323 192000 192000 6.75 6.75
324 127000 126858.36 10.85 10.85
325 261600 260996.13 7.35 7.35
326 111000 110895.44 11.625 11.625
327 121000 120837.73 9.99 9.99
328 54750 54659.41 8.99 8.99
329 116400 116267.33 10.75 10.75
330 75500 74960.11 10.225 10.225
331 48000 47935.62 9.99 9.99
332 62200 62091.85 8.75 8.75
333 593750 593205.89 7.8 7.8
334 74800 74688.49 9.49 9.49
335 72800 72712.42 10.5 10.5
336 79000 78876.16 9.25 9.25
337 125000 124823.6 9.75 9.75
338 118000 117815.05 9.25 9.25
339 53000 52919.06 9.375 9.375
340 708000 708000 7.45 7.45
341 76000 75874.26 8.99 8.99
342 212000 211561.64 7.9 7.9
343 200000 200000 6.9 6.9
344 132750 132606.37 10.99 10.99
345 282750 282093.27 7.5 7.5
346 34000 33946.71 9.25 9.25
347 76500 76366.98 8.75 8.75
348 320650 319640.34 7.25 7.25
349 127000 126750.34 8.15 8.15
350 148000 147615.55 6.75 6.75
351 79680 79381.05 6.39 6.39
352 30000 29950.34 8.99 8.99
353 71200 71075.95 8.99 8.99
354 7625 7524.49 11.99 11.99
355 110800 110525.38 6.99 6.99
356 7500 7221.65 11.99 11.99
357 412000 410843.55 6.35 6.35
358 67200 67104.97 9.74 9.74
359 163000 162596.8 7 7
360 25000 24958.63 8.99 8.99
361 323000 323000 7.3 7.3
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1839 345000 344974.6 8.1 8.1
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1880 338400 338400 6 6
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1882 97000 96869.47 9.975 9.975
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1885 84600 84498.77 10.525 10.525
1886 44000 43956.22 11.375 11.375
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1888 128000 127674.8 6.95 6.95
1889 236000 236000 6.3 6.3
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1896 108400 108262.45 10.25 10.25
1897 108000 106945.47 10.25 10.25
1898 376000 375051.54 6.9 6.9
1899 60326 60242.39 9.975 9.975
1900 193500 192996.88 6.75 6.75
1901 84000 83875.05 9.5 9.5
1902 661250 661250 7.7 7.7
1903 312000 312000 7.6 7.6
1904 78000 77904.25 11.75 11.75
1905 201000 199549.57 7.75 7.75
1906 231200 230037.58 6 6
1907 136000 135549.28 6.99 6.99
1908 100000 99697.95 7.5 7.5
1909 348000 347004.23 6.25 6.25
1910 112990 112854.09 10.5 10.5
1911 87000 86867.84 9.4 9.4
1912 125000 124699.81 8.6 8.6
1913 65000 64809.07 7.6 7.6
1914 99000 98872.31 11.525 11.525
1915 196000 195394.91 7.35 7.35
1916 168000 167613.89 8.81 8.81
1917 123000 122629.73 8.6 8.6
1918 119966 119709.05 9.15 9.15
1919 77000 76855.66 10.75 10.75
1920 189600 189157.97 7.3 7.3
1921 255000 254435.36 8.99 8.99
1922 47400 47351.54 11.25 11.25
1923 100000 99699.69 9.5 9.5
1924 384000 382837.83 7.45 7.45
1925 239200 238504.34 7.65 7.65
1926 447000 445872.44 6.9 6.9
1927 29715 29534.6 11.99 11.99
1928 452000 450220.76 6.1 6.1
1929 33200 32998.27 8.975 8.975
1930 227500 227135.91 9.15 9.15
1931 172000 171573.72 6.99 6.99
1932 367000 365878.18 7.4 7.4
1933 355000 354086.83 6.8 6.8
1934 326400 326400 5.85 5.85
1935 544000 541813.33 5.99 5.99
1936 272000 271017.95 6.55 6.55
1937 436000 434588.47 5.6 5.6
1938 18150 18017.41 9.99 9.99
1939 260000 258895.97 5.7 5.7
1940 68000 67871.52 9.75 9.75
1941 76800 76670.52 8.9 8.9
1942 294000 293286.96 7.1 7.1
1943 228000 227316.79 7.5 7.5
1944 386750 386750 5.99 5.99
1945 264000 264000 5.85 5.85
1946 181300 180788.32 7.8 7.8
1947 60800 60686.41 8.4 8.4
1948 335410 335410 5.75 5.75
1949 24100 23897.6 11.65 11.65
1950 189800 189622.22 11.65 11.65
1951 440000 438668.34 7.45 7.45
1952 75293 75171.88 9.125 9.125
1953 313600 312977.25 8.1 8.1
1954 52000 51921 9.4 9.4
1955 148000 147504.24 6.95 6.95
1956 183950 183458.03 6.6 6.6
1957 110800 110503.66 6.6 6.6
1958 179500 179500 6.625 6.625
1959 45200 45153.76 11.25 11.25
1960 105000 104858.7 9.975 9.975
1961 459000 459000 6.1 6.1
1962 295712 294942.16 8.2 8.2
1963 177000 176490.37 7.7 7.7
1964 465000 463617.54 6.05 6.05
1965 340000 339999.47 6.65 6.65
1966 154880 154527.66 7.45 7.45
1967 83852 83721.27 9.275 9.275
1968 27700 27655.43 9.125 9.125
1969 160000 160000 7.4 7.4
1970 23208 23053.32 10.99 10.99
1971 108000 107791.97 8.25 8.25
1972 195000 194398 7.35 7.35
1973 256000 256000 6.75 6.75
1974 209600 209038.33 6.59 6.59
1975 194600 194061.42 6.45 6.45
1976 420000 420000 5.99 5.99
1977 472000 472000 6.8 6.8
1978 96450 96253.89 9.4 9.4
1979 680000 678232.83 7.65 7.65
1980 328000 327368.19 8.25 8.25
1981 352000 351249.83 7.75 7.75
1982 514400 514400 5.99 5.99
1983 169576 169372.06 10.5 10.5
1984 536000 536000 6.75 6.75
1985 52400 52329.7 9.99 9.99
1986 448000 448000 6.99 6.99
1987 162160 161754.94 6.95 6.95
1988 102000 101710.91 6.3 6.3
1989 85000 84867.46 9.275 9.275
1990 316000 315216.84 6.99 6.99
1991 113000 112848.44 9.99 9.99
1992 191760 191211.12 6.25 6.25
1993 357000 356589.59 7 7
1994 66351 66279.2 10.99 10.99
1995 480000 480000 6.72 6.72
1996 380000 380000 6.99 6.99
1997 38720 38673.5 10.525 10.525
1998 109000 108850.18 9.875 9.875
1999 126000 125723.28 7.6 7.6
2000 118000 117841.73 9.99 9.99
2001 336000 336000 6.99 6.99
2002 145000 144633.83 8.35 8.35
2003 104000 103874.92 10.5 10.5
2004 370000 369195.51 7.65 7.65
2005 47940 47863.37 9.2 9.2
2006 77000 76746.41 8.1 8.1
2007 285000 285000 6.65 6.65
2008 179200 178697 6.35 6.35
2009 288000 287259.17 6.8 6.8
2010 105000 104859.18 9.99 9.99
2011 540000 538439.95 6.2 6.2
2012 74000 73858.87 8.3 8.3
2013 268000 267434.56 7.8 7.8
2014 112000 111814.68 8.99 8.99
2015 382000 381328.95 8.7 8.7
2016 350000 349448.19 10.99 10.99
2017 330800 330073.52 7.6 7.6
2018 70400 70323.82 10.99 10.99
2019 9600 9474.46 12.25 12.25
2020 359000 358551.31 6.7 6.7
2021 382400 382400 6.35 6.35
2022 232000 231425.01 6.99 6.99
2023 232500 231907.76 6.85 6.85
2024 82500 82336.17 8.1 8.1
2025 55000 54764.24 10.775 10.775
2026 164000 163699.82 8.5 8.5
2027 544000 544000 6.25 6.25
2028 344000 342573.54 7 7
2029 177000 176913.55 6.65 6.65
2030 368000 367353.55 8.7 8.7
2031 497200 497200 7.75 7.75
2032 83000 82826.62 7.85 7.85
2033 109000 108902.83 11.875 11.875
2034 696000 694295.29 7.05 7.05
2035 20800 20655.28 10.525 10.525
2036 276960 276144.8 7.59 7.59
2037 272000 272000 5.7 5.7
2038 173840 173292.59 7.25 7.25
2039 490000 488314.65 6.8 6.8
2040 114750 114596.42 10 10
2041 60000 59891.29 8.55 8.55
2042 328000 328000 7.04 7.04
2043 278500 277434.67 6.25 6.25
2044 94400 94076.09 6.85 6.85
2045 90000 89803.14 9.05 9.05
2046 120000 119749.46 9.3 9.3
2047 144000 143685.06 9.05 9.05
2048 184000 183353.64 6.7 6.7
2049 216163 216163 6.85 6.85
2050 288000 287045.54 6.99 6.99
2051 46000 45905.88 9.4 9.4
2052 319200 318232.76 5.95 5.95
2053 79800 79675.56 9.275 9.275
2054 203200 202553.81 7.2 7.2
2055 140000 139798.24 9.65 9.65
2056 231200 230611.35 7.05 7.05
2057 157500 157205.5 9.8 9.8
2058 105000 104753.17 8.7 8.7
2059 127920 127391.95 5.85 5.85
2060 133120 132728.95 7.6 7.6
2061 134000 133658.66 6.85 6.85
2062 182000 181619.86 7.85 7.85
2063 89000 88881.58 11.4 11.4
2064 213520 213078.48 7.9 7.9
2065 147920 147683.27 9.15 9.15
2066 106000 105748.22 8.65 8.65
2067 440000 439090.19 7.9 7.9
2068 976000 972986.43 6.6 6.6
2069 266400 265517.12 6.99 6.99
2070 57800 57712.19 9.4 9.4
2071 100000 99714.91 7.75 7.75
2072 105600 105280.4 7.45 7.45
2073 154000 153799.32 10.125 10.125
2074 182400 181790.74 6.95 6.95
2075 232000 231254.9 7.15 7.15
2076 160550 160265.05 8.65 8.65
2077 104000 103642.27 6.8 6.8
2078 173400 173019.18 7.6 7.6
2079 26000 25962.59 11.025 11.025
2080 264000 263032.42 5.85 5.85
2081 57500 57395.36 8.55 8.55
2082 129600 129600 7.05 7.05
2083 174750 174358.49 7.5 7.5
2084 220000 219605.5 8.6 8.6
2085 169600 169188.67 7.1 7.1
2086 160000 159518.83 5.99 5.99
2087 175000 174710.27 9.85 9.85
2088 24000 23840.54 11.025 11.025
2089 112800 112441.47 7.4 7.4
2090 264000 263143.75 7.1 7.1
2091 140000 139738.43 8.4 8.4
2092 192000 191538.89 7.15 7.15
2093 244000 243160.77 6.8 6.8
2094 61000 60875.96 9.4 9.4
2095 32400 32291.66 10.175 10.175
2096 42750 42685.04 9.4 9.4
2097 222400 221781.72 6.4 6.4
2098 88000 87818.04 7.9 7.9
2099 300000 299265.2 7.05 7.05
2100 300000 299312.64 7.4 7.4
2101 29892 29845.38 9.275 9.275
2102 59440 59339.8 8.9 8.9
2103 239200 238570.89 8.15 8.15
2104 14860 14764.66 11.4 11.4
2105 406250 405756.13 10.45 10.45
2106 664307 662788.77 7.4 7.4
2107 178000 177684.06 8.65 8.65
2108 156000 156000 5.85 5.85
2109 115000 114810.12 9 9
2110 130000 129859.63 11 11
2111 130000 129450.67 6.6 6.6
2112 124000 123872.26 7.39 7.39
2113 43000 42942.13 9.975 9.975
2114 168000 167695.62 8.55 8.55
2115 58000 57910.54 11.375 11.375
2116 58000 57865.46 9.275 9.275
2117 160000 159486.11 7.15 7.15
2118 100000 99728.35 7.99 7.99
2119 15000 14816.3 13.25 13.25
2120 40000 39939.59 10.8 10.8
2121 320000 319206.94 6.99 6.99
2122 344000 343295.85 7.95 7.95
2123 432000 432000 6.99 6.99
2124 108000 107862.21 10.225 10.225
2125 20250 20132.83 12.5 12.5
2126 83000 82886.54 9.9 9.9
2127 45250 45189.1 9.975 9.975
2128 201000 200785.53 8.1 8.1
2129 400000 399119.78 7.59 7.59
2130 80000 79893.49 10.025 10.025
2131 179390 178997.67 9.05 9.05
2132 50880 50811.54 9.975 9.975
2133 420000 418917.62 8.25 8.25
2134 180000 179663.73 8.4 8.4
2135 95800 95675.14 10.125 10.125
2136 90000 89876.31 9.875 9.875
2137 72080 72002.6 11.025 11.025
2138 86600 86483.48 9.975 9.975
2139 117000 116744.11 9.05 9.05
2140 25540 25512.57 11.025 11.025
2141 206000 205646.24 10.2 10.2
2142 360000 358471.36 5.7 5.7
2143 288000 287308.35 7.15 7.15
2144 67050 66959.78 9.975 9.975
2145 56000 55849.69 8.05 8.05
2146 72900 72807.5 10.25 10.25
2147 75190 75115.19 11.375 11.375
2148 99800 99665.72 9.975 9.975
2149 510250 509325.6 8.55 8.55
2150 264000 263258.96 6.35 6.35
2151 61000 60917.91 9.975 9.975
2152 164000 163441.39 6.85 6.85
2153 400000 398919.7 6.55 6.55
2154 48800 48721.22 10.49 10.49
2155 195200 194528.61 6.8 6.8
2156 162400 161964.17 8.05 8.05
2157 178400 177849.24 7.35 7.35
2158 279500 278788.04 6.85 6.85
2159 102000 101909.06 11.875 11.875
2160 20500 20378.53 12.25 12.25
2161 324000 324000 7.2 7.2
2162 164000 163561.36 6.6 6.6
2163 152000 151642.12 7.25 7.25
2164 260000 259132.39 7.75 7.75
2165 329872 329872 6.5 6.5
2166 335200 334378.98 7.05 7.05
2167 213000 212602.07 8.4 8.4
2168 200000 199486.99 6.85 6.85
2169 83800 83672.71 9.4 9.4
2170 41000 40955.97 11.025 11.025
2171 75000 74795.64 7.975 7.975
2172 60800 60678.04 8.05 8.05
2173 82468 82357.44 9.975 9.975
2174 311500 310666.89 6.6 6.6
2175 164000 163552.78 6.5 6.5
2176 130200 129982.79 8.95 8.95
2177 81000 80889.26 9.9 9.9
2178 164000 163636.2 7.55 7.55
2179 272000 271098.56 6.99 6.99
2180 66000 65897.08 9.275 9.275
2181 325000 324122.34 6.55 6.55
2182 325500 325025.92 9.6 9.6
2183 88400 88311.56 11.99 11.99
2184 188000 187525.78 6.9 6.9
2185 17300 17179.63 10.525 10.525
2186 210000 209578.71 8.05 8.05
2187 175000 174592.76 8.75 8.75
2188 210000 209263.5 6.7 6.7
2189 123750 123518.79 8.4 8.4
2190 226720 226072.93 7.75 7.75
2191 177100 176819.52 9.2 9.2
2192 46200 46134.81 9.75 9.75
2193 70900 70831.36 11.5 11.5
2194 295000 294080.22 7.3 7.3
2195 97000 96843.76 10.5 10.5
2196 700000 700000 6.75 6.75
2197 113900 113617.7 6.99 6.99
2198 175000 174739.71 9.5 9.5
2199 193500 193021.22 8.45 8.45
2200 128000 127435.72 5.5 5.5
2201 193500 192805.74 6.6 6.6
2202 142400 142022.83 6.65 6.65
2203 300000 299064.63 7.3 7.3
2204 68400 68326.16 11 11
2205 33980 33904.76 8.99 8.99
2206 143800 143586.12 9.5 9.5
2207 120000 120000 7.3 7.3
2208 130000 129693.92 7.25 7.25
2209 448000 447424.36 6.6 6.6
2210 32000 31963.91 10.8 10.8
2211 525000 524039.08 8.5 8.5
2212 132000 132000 6.6 6.6
2213 88000 87858.43 9.125 9.125
2214 308000 308000 6.35 6.35
2215 110500 110374.07 10.75 10.75
2216 316000 315210.67 6.95 6.95
2217 712950 712291.97 7.775 7.775
2218 171700 171348.5 7.95 7.95
2219 340000 340000 6.45 6.45
2220 465600 465600 6.88 6.88
2221 223000 222448.3 6.999 6.999
2222 221600 221078.23 7.25 7.25
2223 418000 417999.08 7.45 7.45
2224 75600 75512.88 10.7 10.7
2225 55400 55345.18 11.4 11.4
2226 290200 289695.43 8.75 8.75
2227 742500 740751.82 7.25 7.25
2228 89600 89358.02 6.55 6.55
2229 106400 106400 7.2 7.2
2230 231000 230405.74 6.8 6.8
2231 96000 95762.52 7 7
2232 300000 299422.14 8.25 8.25
2233 231000 230889.15 9.99 9.99
2234 33000 32938.34 8.4 8.4
2235 175000 174575.47 7.25 7.25
2236 180000 179563.65 8.55 8.55
2237 98400 98214.24 8.5 8.5
2238 65000 64905.8 10.99 10.99
2239 232000 231146.03 6.45 6.45
2240 132800 132306.42 6.4 6.4
2241 180000 179596.72 7.5 7.5
2242 100000 99813.18 8.4 8.4
2243 176000 175547.27 6.8 6.8
2244 117600 117600 7 7
2245 200000 199711.74 9.65 9.65
2246 195200 194597.38 7.35 7.35
2247 195200 194585.35 7.25 7.25
2248 368000 364772.62 6.5 6.5
2249 130400 129875.82 5.99 5.99
2250 212000 211362.46 5.99 5.99
2251 53000 52908.79 8.8 8.8
2252 50000 49919.47 10.5 10.5
2253 12600 12429.71 11.49 11.49
2254 406000 404842.62 7.75 7.75
2255 592000 590136.83 5.75 5.75
2256 148000 147742.68 8.75 8.75
2257 40200 40106.46 8.75 8.75
2258 23000 22846.69 10.99 10.99
2259 143376 142901.74 7 7
2260 66300 66108.18 7.75 7.75
2261 27000 26959.81 9.5 9.5
2262 200000 199999.93 5.89 5.89
2263 128000 127784.21 8.9 8.9
2264 133250 132945.46 7.4 7.4
2265 21500 21282.17 9.6 9.6
2266 540000 538661.71 6.99 6.99
2267 106204 105940.65 6.99 6.99
2268 26551 26515.39 9.99 9.99
2269 251200 250459.34 6.1 6.1
2270 62800 62693.92 8.9 8.9
2271 70000 69865.88 8.3 8.3
2272 100000 99702.75 7.75 7.75
2273 152750 152394.59 8.75 8.75
2274 20600 20469.05 11.5 11.5
2275 148720 148326.08 6.65 6.65
2276 232000 231209.76 6.85 6.85
2277 55600 55524.79 9.95 9.95
2278 47980 47873.74 8.99 8.99
2279 58000 57906.58 10.5 10.5
2280 12500 12030.17 11.5 11.5
2281 201000 200440.13 6.39 6.39
2282 136000 135504.18 6.5 6.5
2283 141800 141326.34 6.95 6.95
2284 249600 248912.77 6.45 6.45
2285 87920 87710.91 7.2 7.2
2286 83200 83004.08 7.25 7.25
2287 340000 339125.41 6.8 6.8
2288 77600 77422.64 7.4 7.4
2289 111920 111706.58 8.3 8.3
2290 120800 120529.35 7.5 7.5
2291 100000 99624.74 6.35 6.35
2292 95400 95282.77 10.4 10.4
2293 10000 9979.64 9.4 9.4
2294 13750 13568.76 11.99 11.99
2295 192000 192000 5.99 5.99
2296 800000 797244.83 5.5 5.5
2297 64000 63909.69 9.75 9.75
2298 139200 138586.95 5.75 5.75
2299 275000 274256.67 8.75 8.75
2300 324000 324000 6.65 6.65
2301 21980 21842.23 11.65 11.65
2302 220000 219276.58 7.05 7.05
2303 156000 156000 5.79 5.79
2304 62400 62294.79 8.9 8.9
2305 66400 66268.14 8.1 8.1
2306 113600 113269.62 7.65 7.65
2307 191920 191097.35 5.65 5.65
2308 7650 7259.72 10.99 10.99
2309 289000 288326.27 7.3 7.3
2310 56800 56743.48 11.375 11.375
2311 39600 39556.06 10.875 10.875
2312 100800 100491.71 7.4 7.4
2313 250000 249311.68 6.45 6.45
2314 168000 167634.71 7.65 7.65
2315 6850 6761.04 12.25 12.25
2316 98800 98578.63 7.5 7.5
2317 92300 92101.3 7.7 7.7
2318 86400 86215.85 7.75 7.75
2319 10270 10138.59 12.5 12.5
2320 105600 105356.24 7.35 7.35
2321 93600 93438.16 10.25 10.25
2322 26400 26360.72 9.5 9.5
2323 60000 59799.58 6.95 6.95
2324 20400 20264.03 10.99 10.99
2325 404000 404000 7.45 7.45
2326 160000 159574.92 8.1 8.1
2327 111195 110823.56 6.95 6.95
2328 299250 298349.21 8.6 8.6
2329 370000 368498.13 7.875 7.875
2330 140000 139590.81 7.625 7.625
2331 27700 27671.37 11.275 11.275
2332 357700 357305.38 10.9 10.9
2333 92400 92217.92 9.55 9.55
2334 129350 129166.95 11.1 11.1
2335 139200 138898.72 9.1 9.1
2336 273600 272686.14 6.95 6.95
2337 83400 83315.18 11.275 11.275
2338 36400 36356.44 10.525 10.525
2339 256000 255353.54 8.35 8.35
2340 118400 118069.16 7.85 7.85
2341 192750 192189.44 7.65 7.65
2342 750000 747131.16 6.25 6.25
2343 750000 748163.06 7.05 7.05
2344 672000 667802.13 8.49 8.49
2345 438320 437082.97 7.8 7.8
2346 180000 179673.9 8.55 8.55
2347 316000 315241.12 7.15 7.15
2348 79000 78914.53 10.99 10.99
2349 436000 434440.96 6.6 6.6
2350 427460 426298.83 7.99 7.99
2351 620000 619044.17 6.99 6.99
2352 167000 166509.43 7.6 7.6
2353 319900 319593.99 7.65 7.65
2354 92832 92626.08 7.55 7.55
2355 82400 82328.93 12.025 12.025
2356 472000 471486.99 7.2 7.2
2357 82600 82350 7.45 7.45
2358 180000 179667.12 8.45 8.45
2359 212000 211552.72 7.8 7.8
2360 96400 96105.32 7.4 7.4
2361 301172 300382.03 6.7 6.7
2362 228000 228000 7.1 7.1
2363 708000 706521.21 7.85 7.85
2364 50880 50799.34 10.125 10.125
2365 101500 101268.02 7.4 7.4
2366 53000 52943.07 11.025 11.025
2367 241500 241151.95 9.65 9.65
2368 227989 227241.47 7.05 7.05
2369 98000 96730.37 7.8 7.8
2370 118500 118234.52 7.5 7.5
2371 243500 242959.86 7.55 7.55
2372 185000 184467.32 7.7 7.7
2373 139920 139531.17 6.45 6.45
2374 9745 9618.46 12.25 12.25
2375 164000 163657.44 7.85 7.85
2376 6495 6186.26 13.75 13.75
2377 111200 111200 7.85 7.85
2378 97520 97154.03 6.35 6.35
2379 24380 24152.85 10.525 10.525
2380 128800 128660.94 11 11
2381 27800 27773.22 11.525 11.525
2382 113600 113425.61 9.35 9.35
2383 22000 21828.52 9.275 9.275
2384 90000 89826.65 8.25 8.25
2385 27300 27270.66 11.025 11.025
2386 264000 264000 6.1 6.1
2387 66000 65929.11 11.025 11.025
2388 34980 34923.24 9.4 9.4
2389 22590 22439.91 11.025 11.025
2390 172000 171543.04 8.1 8.1
2391 82500 82332.81 8 8
2392 84500 84394.47 11.75 11.75
2393 207000 207000 7.14 7.14
2394 23580 23374.78 11.375 11.375
2395 124000 124000 7.4 7.4
2396 196000 195510.42 6.95 6.95
2397 10250 9872.15 12.25 12.25
2398 26000 25978.65 12.25 12.25
2399 202000 201479.41 8.25 8.25
2400 70000 69810.07 9 9
2401 148000 147538.57 5.8 5.8
2402 30000 29800.68 11.025 11.025
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2918 103955 103822.39 10.225 10.225
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2921 438800 437725.26 7.05 7.05
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3023 728000 726022.51 7.99 7.99
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3033 117000 116696.93 8.225 8.225
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3035 95000 94859.1 11.5 11.5
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3038 209000 209000 7.225 7.225
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3040 79050 78900.67 9.75 9.75
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3042 70000 69932.97 11.55 11.55
3043 160000 159481.09 7.1 7.1
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3045 387000 387000 7.275 7.275
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3110 18000 17871.56 10.25 10.25
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3119 25600 25569.52 10.55 10.55
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3141 176000 175476.73 6.05 6.05
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3411 252000 251566.37 8.8 8.8
3412 680000 677509.03 6.475 6.475
3413 230400 229818.2 8.35 8.35
3414 109700 109604.7 11.99 11.99
3415 293250 293250 6.99 6.99
3416 200000 199590.62 7.95 7.95
3417 66000 65912.53 11.4 11.4
3418 157250 156973.75 8.7 8.7
3419 127000 126558.04 6.74 6.74
3420 94410 94230 8.3 8.3
3421 156750 156316.41 7.9 7.9
3422 105000 104883.27 12.2 12.2
3423 344000 343198.06 7.3 7.3
3424 105000 104906.93 11.9 11.9
3425 174200 174053.92 12.15 12.15
3426 79000 78894.05 9.99 9.99
3427 190500 189792 6.4 6.4
3428 54200 54149.23 11.65 11.65
3429 477000 476297.96 9.55 9.55
3430 440000 439062.34 7.75 7.75
3431 367200 366521.18 8.6 8.6
3432 83000 82920.54 11.55 11.55
3433 155000 154664.13 9.15 9.15
3434 175000 174998.02 6.775 6.775
3435 139100 138842.06 8.45 8.45
3436 110000 109708.48 6.99 6.99
3437 161000 160581.66 7 7
3438 90865 90714.99 9 9
3439 123000 122813.18 9.4 9.4
3440 172000 171618.49 7.55 7.55
3441 43000 42960.59 11.75 11.75
3442 95750 95625.89 10.15 10.15
3443 252000 251441.02 7.55 7.55
3444 318750 317992.22 7.9 7.9
3445 170000 169540.93 6.55 6.55
3446 70000 69930.73 11.4 11.4
3447 318750 318028.74 7.45 7.45
3448 352750 352056.57 8.15 8.15
3449 137000 136657.79 6.95 6.95
3450 59400 58846.58 7.25 7.25
3451 348800 348086.03 7.95 7.95
3452 250000 250000 6.55 6.55
3453 72000 71908.65 10.25 10.25
3454 185600 185204.48 7.75 7.75
3455 65000 64848.47 7.3 7.3
3456 200000 200000 6.8 6.8
3457 267900 267176.54 6.55 6.55
3458 432000 431079.38 7.75 7.75
3459 131000 130688.51 7.2 7.2
3460 153000 152752.58 9.1 9.1
3461 316800 316254.85 8.8 8.8
3462 459000 458317.31 9.5 9.5
3463 170000 169570.47 6.9 6.9
3464 121410 121217.73 9.2 9.2
3465 200000 199586.47 7.9 7.9
3466 134800 134114.37 6.8 6.8
3467 212000 211582.5 7.1 7.1
3468 266250 266250 6.675 6.675
3469 224000 223503.13 7.55 7.55
3470 169000 168565.3 6.8 6.8
3471 295200 295200 6.775 6.775
3472 519650 519650 7.675 7.675
3473 410000 408826.84 6.25 6.25
3474 71100 70983.43 9.1 9.1
3475 170000 169654.84 7.99 7.99
3476 378750 377875.75 7.35 7.35
3477 115800 115692.73 11.7 11.7
3478 184500 184500 9.1 9.1
3479 139900 139553.44 7.5 7.5
3480 148500 148186.7 7.8 7.8
3481 468000 468000 7.5 7.5
3482 183000 182606.65 7.775 7.775
3483 150120 149919.11 10 10
3484 172550 172166.94 7.79 7.79
3485 800000 798490.14 8.35 8.35
3486 600000 600000 6.78 6.78
3487 58500 58383.83 8.1 8.1
3488 49500 49461.17 12.45 12.45
3489 290000 289424.12 8.1 8.1
3490 189000 188558.49 7.55 7.55
3491 175000 174506.35 7.35 7.35
3492 54000 53929.26 10.1 10.1
3493 144500 144047.87 8.775 8.775
3494 87980 87846.38 9.4 9.4
3495 67392 67310.96 10.5 10.5
3496 249900 249900 7.925 7.925
3497 111000 110876.88 10.875 10.875
3498 158400 158121.75 8.7 8.7
3499 271960 271371.64 7.675 7.675
3500 148500 148261.37 9.125 9.125
3501 122100 121878.24 11.4 11.4
3502 460000 460000 6.975 6.975
3503 376000 375229.71 8 8
3504 440910 440234.26 7.4 7.4
3505 585000 583895.89 8.35 8.35
3506 268000 267335.79 6.99 6.99
3507 54200 54141.79 11.025 11.025
3508 173500 173228.05 9.25 9.25
3509 195000 194721.92 9.7 9.7
3510 74400 74294.99 9.75 9.75
3511 48000 47935.74 10 10
3512 102000 101903.94 11.625 11.625
3513 108000 107784.63 8.25 8.25
3514 368000 367045.47 7.9 7.9
3515 100000 99792.18 7.875 7.875
3516 750000 750000 7.875 7.875
3517 265000 264406.29 7.5 7.5
3518 508000 508000 7.85 7.85
3519 178164 177801.77 9.4 9.4
3520 244000 243495.46 7.9 7.9
3521 114000 113771.18 9.125 9.125
3522 252000 251596.71 9.15 9.15
3523 356000 355307.26 8.2 8.2
3524 332500 332498.08 6.5 6.5
3525 535920 534707.32 7.45 7.45
3526 11940 11852.06 9.9 9.9
3527 128000 127707.45 7.4 7.4
3528 29000 28629.58 12.5 12.5
3529 142400 142064.72 7.25 7.25
3530 59000 58897.94 8.775 8.775
3531 208000 207500.49 7.15 7.15
3532 740000 740000 6.8 6.8
3533 34000 33964.27 11.125 11.125
3534 11600 11519.29 10.525 10.525
3535 55600 55517.13 9.49 9.49
3536 340000 338999.96 6.2 6.2
3537 264000 263293.95 6.6 6.6
3538 220000 219576.22 8.25 8.25
3539 296000 295223.59 6.7 6.7
3540 208000 207312.02 7 7
3541 41000 40944.99 9.99 9.99
3542 745655 743881.94 7.2 7.2
3543 165000 164678.91 8.2 8.2
3544 439200 439200 5.8 5.8
3545 57000 56943.28 11.375 11.375
3546 90731 90585.04 9.125 9.125
3547 292800 292096.83 7.15 7.15
3548 552000 552000 6.5 6.5
3549 261500 261500 6.65 6.65
3550 720800 720800 6.9 6.9
3551 333000 332215.97 7.25 7.25
3552 73200 73120.8 10.99 10.99
3553 180200 180021.71 11.4 11.4
3554 32400 32346.38 8.99 8.99
3555 68000 67928.94 11.15 11.15
3556 288000 287386.25 7.75 7.75
3557 240000 239512.66 7.99 7.99
3558 85000 84903.55 10.77 10.77
3559 127000 126848.07 10.525 10.525
3560 111000 110827.1 9.28 9.28
3561 128000 127763.3 8.45 8.45
3562 372000 371183.05 7.6 7.6
3563 25500 25457.8 8.99 8.99
3564 143000 142874.62 11.95 11.95
3565 373000 372164.31 7.5 7.5
3566 733600 731956.45 7.5 7.5
3567 139000 138707.6 7.89 7.89
3568 80600 80466.64 8.99 8.99
3569 56398 56344.89 11.625 11.625
3570 106360 106034.88 7.4 7.4
3571 62000 61900.76 9.15 9.15
3572 212800 212293.96 7.2 7.2
3573 242170 241769.32 8.99 8.99
3574 182250 182025.36 6.75 6.75
3575 148000 147644.56 7.15 7.15
3576 55000 54926 9.975 9.975
3577 98000 97854.23 9.5 9.5
3578 410000 410000 6.1 6.1
3579 91400 91257.93 9.29 9.29
3580 149600 149600 6.95 6.95
3581 28800 28684.89 9.975 9.975
3582 231812 231812 6.15 6.15
3583 607200 607200 6.25 6.25
3584 238850 233745.35 6.125 6.125
3585 212000 211035.97 6.525 6.525
3586 102000 101745.14 9.5 9.5
3587 597550 594370.85 5.7 5.7
3588 352000 350677.37 7.5 7.5
3589 850000 850000.01 7.125 7.125
3590 110000 109662.07 7.375 7.375
3591 184000 183535.86 6.9 6.9
3592 21500 21370.28 11.99 11.99
3593 264000 263366 7.15 7.15
3594 426000 426000 5.8 5.8
3595 13750 13565.7 11.7 11.7
3596 130000 129739.21 8.05 8.05
3597 750000 750000 6.95 6.95
3598 65800 65702.11 9.5 9.5
3599 360000 355162.1 6.75 6.75
3600 312000 310031.42 6.6 6.6
3601 172500 171942.42 8.25 8.25
3602 42860 42796.22 9.5 9.5
3603 280000 278969.33 6.45 6.45
3604 333063 333063 5.9 5.9
3605 186000 185553.32 7.15 7.15
3606 81500 81350.81 8.5 8.5
3607 70000 69856.75 9.37 9.37
3608 388000 386741.6 7.1 7.1
3609 80000 79855.06 8.55 8.55
3610 213750 213475.87 10.2 10.2
3611 174966 174966 5.99 5.99
3612 43741 43668.61 8.99 8.99
3613 168000 166260.97 6.95 6.95
3614 137120 137120 7.6 7.6
3615 200800 200800 7.6 7.6
3616 190000 189413.43 7.35 7.35
3617 37650 37500.48 10.025 10.025
3618 215000 214336.01 5.85 5.85
3619 160000 159576.22 6.65 6.65
3620 280000 279314.2 7.05 7.05
3621 148000 147600.3 6.55 6.55
3622 77600 77512.01 10.775 10.775
3623 282850 282048.38 6.3 6.3
3624 12300 12110.51 9.25 9.25
3625 52000 51944.14 11.025 11.025
3626 63750 63634.03 8.53 8.53
3627 441750 441750 6.99 6.99
3628 70000 69906.29 10 10
3629 126000 125626.76 6.45 6.45
3630 141599 141311.47 7.99 7.99
3631 100000 99805.39 8.2 8.2
3632 84000 83858.4 8.9 8.9
3633 294400 294400 7.4 7.4
3634 138805 138472.41 9.7 9.7
3635 750000 748477.12 7.99 7.99
3636 159432 159152.33 5.45 5.45
3637 377000 375866.26 5.99 5.99
3638 31000 30952.9 9.4 9.4
3639 45980 45921.94 10.275 10.275
3640 55650 55557.9 8.99 8.99
3641 155000 154573.23 6.45 6.45
3642 522000 520516.68 7.9 7.9
3643 241600 240744.43 6.65 6.65
3644 199200 199200 6.45 6.45
3645 386000 384665.9 5.25 5.25
3646 69600 69484.84 8.99 8.99
3647 551250 550014.99 7.5 7.5
3648 104000 103787.09 7.95 7.95
3649 55000 54926.24 9.99 9.99
3650 26000 25970.51 10.775 10.775
3651 85000 84502.68 6.99 6.99
3652 242772 241505.53 8.375 8.375
Loan Number Servicing Master Servicing Fee LPMI Net Rate Original Payment
----------- --------- -------------------- ---- -------- ----------------
1 0.5 0 0 8.9 912.76
2 0.5 0 0 8.22 778.29
3 0.5 0 0 6.85 1499.21
4 0.5 0 0 8.49 931.89
5 0.5 0 0 8.5 1279.36
6 0.5 0 0 5.75 2555.23
7 0.5 0 0 6.25 1922.44
8 0.5 0 0 8.375 1018.43
9 0.5 0 0 8.025 685.91
10 0.5 0 0 8.3 790.27
11 0.5 0 0 8.375 863.27
12 0.5 0 0 5.5 2078.94
13 0.5 0 0 6.125 1479.58
14 0.5 0 0 10.25 625.43
15 0.5 0 0 7.85 985.8
16 0.5 0 0 8.45 762.58
17 0.5 0 0 8.5 394.67
18 0.5 0 0 5.75 991.3
19 0.5 0 0 6.25 2279.82
20 0.5 0 0 6.1 742.5
21 0.5 0 0 7.7 554.09
22 0.5 0 0 7.475 734.36
23 0.5 0 0 8 837.35
24 0.5 0 0 8.45 3148.16
25 0.5 0 0 10.49 784.09
26 0.5 0 0 6 3250
27 0.5 0 0 5.925 995.88
28 0.5 0 0 6.4 1229.06
29 0.5 0 0 5.25 2510.83
30 0.5 0 0 6.2 944.69
31 0.5 0 0 10 334.79
32 0.5 0 0 4.8 2583.75
33 0.5 0 0 9 1002.72
34 0.5 0 0 6 1386.67
35 0.5 0 0 11 633.79
36 0.5 0 0 5.7 1420.8
37 0.5 0 0 7 2340
38 0.5 0 0 6.45 477.81
39 0.5 0 0 9.25 833.38
40 0.5 0 0 6.675 1674.17
41 0.5 0 0 6 2816.67
42 0.5 0 0 10.5 279.03
43 0.5 0 0 5.49 1691.59
44 0.5 0 0 7.2 4106.65
45 0.5 0 0 6.9 879.32
46 0.5 0 0 5.325 1490.81
47 0.5 0 0 5.85 1296.74
48 0.5 0 0 5.85 1494.92
49 0.5 0 0 5.85 1246.17
50 0.5 0 0 6.49 875.65
51 0.5 0 0 6.675 2528.96
52 0.5 0 0 6.8 891.24
53 0.5 0 0 5.5 1591.81
54 0.5 0 0 5.6 1708.91
55 0.5 0 0 7.975 2224.71
56 0.5 0 0 5.25 3162.5
57 0.5 0 0 6.525 847.68
58 0.5 0 0 5.25 2347.92
59 0.5 0 0 5 3105.67
60 0.5 0 0 5.25 2357.5
61 0.5 0 0 6.49 1284.41
62 0.5 0 0 7.5 469.61
63 0.5 0 0 7.35 542.5
64 0.5 0 0 5.75 1208.33
65 0.5 0 0 5.2 1717.99
66 0.5 0 0 6.075 1753.11
67 0.5 0 0 6.49 671.04
68 0.5 0 0 4.625 611.58
69 0.5 0 0 6.5 3160.19
70 0.5 0 0 11.45 518.53
71 0.5 0 0 6.3 888.25
72 0.5 0 0 9.625 512.58
73 0.5 0 0 5.3 1367.72
74 0.5 0 0 5.875 2592.5
75 0.5 0 0 10.75 1184.94
76 0.5 0 0 5.5 2608.04
77 0.5 0 0 6.5 729.17
78 0.5 0 0 7 1118.74
79 0.5 0 0 5.75 720.39
80 0.5 0 0 6.85 1799.94
81 0.5 0 0 7 1433.39
82 0.5 0 0 6.49 1561.1
83 0.5 0 0 6 1538.33
84 0.5 0 0 10.49 675.61
85 0.5 0 0 6.175 2013.63
86 0.5 0 0 7.4 974.65
87 0.5 0 0 5.9 2112
88 0.5 0 0 6 1343.33
89 0.5 0 0 5.75 1259.55
90 0.5 0 0 6.175 1188.15
91 0.5 0 0 10.5 508.54
92 0.5 0 0 10.99 662.98
93 0.5 0 0 5.425 2257.43
94 0.5 0 0 8.75 1542.52
95 0.5 0 0 5.75 2955.44
96 0.5 0 0 11 722.91
97 0.5 0 0 10 823.27
98 0.5 0 0 7.49 889.03
99 0.5 0 0 5.49 1060.73
100 0.5 0 0 7.4 2325.78
101 0.5 0 0 6 1625
102 0.5 0 0 8.025 1233.1
103 0.5 0 0 7.5 623.7
104 0.5 0 0 8.2 1170
105 0.5 0 0 6.3 440.7
106 0.5 0 0 5.8 866.56
107 0.5 0 0 6.125 1987.5
108 0.5 0 0 9 630.64
109 0.5 0 0 5.85 970.69
110 0.5 0 0 6.49 1353.73
111 0.5 0 0 10.375 547.82
112 0.5 0 0 5.575 1450.51
113 0.5 0 0 5.85 1111.25
114 0.5 0 0 10.25 736.05
115 0.5 0 0 7.25 673.43
116 0.5 0 0 5.75 441.78
117 0.5 0 0 7.3 777.46
118 0.5 0 0 7.675 3431.6
119 0.5 0 0 5.95 1408.47
120 0.5 0 0 7.5 917.21
121 0.5 0 0 6.4 1396.24
122 0.5 0 0 6.5 578.81
123 0.5 0 0 6.875 1270.84
124 0.5 0 0 7.49 4669.64
125 0.5 0 0 6.84 2037.34
126 0.5 0 0 7.5 785.13
127 0.5 0 0 7.1 1744
128 0.5 0 0 10 600.07
129 0.5 0 0 6.625 489.84
130 0.5 0 0 11.375 280.23
131 0.5 0 0 5.95 3676.5
132 0.5 0 0 7.19 1538.51
133 0.5 0 0 6 1039.76
134 0.5 0 0 7.625 1596.37
135 0.5 0 0 6.6 806.44
136 0.5 0 0 7.05 1791.74
137 0.5 0 0 10.875 946.05
138 0.5 0 0 9.75 645.2
139 0.5 0 0 9.475 875.73
140 0.5 0 0 9.75 385.33
141 0.5 0 0 7.05 584.6
142 0.5 0 0 10.95 743.8
143 0.5 0 0 8.9 475.13
144 0.5 0 0 5.875 1190
145 0.5 0 0 8.35 349.3
146 0.5 0 0 7.525 2317.22
147 0.5 0 0 7.375 939.69
148 0.5 0 0 8.45 2038.21
149 0.5 0 0 6.49 2140.11
150 0.5 0 0 7.625 680.87
151 0.5 0 0 6.875 4144.05
152 0.5 0 0 6.875 973.85
153 0.5 0 0 6.9 4625
154 0.5 0 0 9.99 722.06
155 0.5 0 0 8.13 382.85
156 0.5 0 0 8.9 537.91
157 0.5 0 0 6.1 825
158 0.5 0 0 6.75 1909.17
159 0.5 0 0 7.45 1809.28
160 0.5 0 0 6.95 1369.33
161 0.5 0 0 10.5 375.22
162 0.5 0 0 6.45 1654.87
163 0.5 0 0 5.95 729.39
164 0.5 0 0 10.49 352.09
165 0.5 0 0 6.7 1632
166 0.5 0 0 6.25 1141.54
167 0.5 0 0 10.4 273.99
168 0.5 0 0 9.725 1001.56
169 0.5 0 0 7.05 1630.13
170 0.5 0 0 7.2 844.15
171 0.5 0 0 8 776.61
172 0.5 0 0 7.1 1412.15
173 0.5 0 0 6.85 624.75
174 0.5 0 0 6.7 3561.67
175 0.5 0 0 7.35 1070.54
176 0.5 0 0 6.2 483.96
177 0.5 0 0 8.15 2650.54
178 0.5 0 0 5.85 2688.17
179 0.5 0 0 5.1 1411
180 0.5 0 0 5.8 1138.91
181 0.5 0 0 4.7 878.58
182 0.5 0 0 6.45 2387.2
183 0.5 0 0 6.85 953.54
184 0.5 0 0 5.7 1760.8
185 0.5 0 0 11.49 274.66
186 0.5 0 0 8.49 278.16
187 0.5 0 0 7.25 4288.33
188 0.5 0 0 4.95 1197.08
189 0.5 0 0 7.9 427.4
190 0.5 0 0 10.4 1482.36
191 0.5 0 0 11.49 82.4
192 0.5 0 0 10.49 1784.19
193 0.5 0 0 9 501.15
194 0.5 0 0 6.49 1188.3
195 0.5 0 0 8.65 497.42
196 0.5 0 0 8.9 336.35
197 0.5 0 0 6.45 1853.46
198 0.5 0 0 9 428.84
199 0.5 0 0 6.49 2126.82
200 0.5 0 0 10.49 666.1
201 0.5 0 0 9.99 402.16
202 0.5 0 0 7.55 5529.4
203 0.5 0 0 6.4 3055.91
204 0.5 0 0 7 1048.83
205 0.5 0 0 8.099 869.06
206 0.5 0 0 6.85 2135.82
207 0.5 0 0 5.8 2604
208 0.5 0 0 9.75 663.12
209 0.5 0 0 8.5 400.71
210 0.5 0 0 9.025 1044.93
211 0.5 0 0 8.25 1101.39
212 0.5 0 0 6.74 745.72
213 0.5 0 0 8.9 710.2
214 0.5 0 0 6.8 863.82
215 0.5 0 0 6.2 1299.35
216 0.5 0 0 8.49 628.62
217 0.5 0 0 10.275 289.03
218 0.5 0 0 7.49 1407.49
219 0.5 0 0 12.25 132.99
220 0.5 0 0 9.49 403.35
221 0.5 0 0 10.9 185.9
222 0.5 0 0 10.9 599.43
223 0.5 0 0 8.49 467.72
224 0.5 0 0 5.6 762.5
225 0.5 0 0 8.7 425.91
226 0.5 0 0 6.89 874.31
227 0.5 0 0 9.49 854.04
228 0.5 0 0 6.49 2292.98
229 0.5 0 0 10.75 611.71
230 0.5 0 0 6.25 1406.25
231 0.5 0 0 10.625 442.42
232 0.5 0 0 5.95 2691.2
233 0.5 0 0 9.25 687.33
234 0.5 0 0 9 882.9
235 0.5 0 0 5.55 2319.17
236 0.5 0 0 7.9 5250
237 0.5 0 0 11.49 1927.21
238 0.5 0 0 10.25 2287.03
239 0.5 0 0 5.75 1562.5
240 0.5 0 0 7.4 1726.89
241 0.5 0 0 5.8 1428
242 0.5 0 0 6.35 1225.34
243 0.5 0 0 6.4 2049.9
244 0.5 0 0 7.35 6871.69
245 0.5 0 0 10 731.8
246 0.5 0 0 5.49 2575.31
247 0.5 0 0 11.25 168.31
248 0.5 0 0 6.25 732.92
249 0.5 0 0 10.875 255.26
250 0.5 0 0 11.375 1226.88
251 0.5 0 0 5.1 2426.67
252 0.5 0 0 9.49 854.04
253 0.5 0 0 6.05 2064.61
254 0.5 0 0 6.3 573.7
255 0.5 0 0 8.775 618.37
256 0.5 0 0 6.45 1159.74
257 0.5 0 0 7.99 825.83
258 0.5 0 0 9.25 580.71
259 0.5 0 0 7 1684.67
260 0.5 0 0 7.7 1314.18
261 0.5 0 0 8.9 365.11
262 0.5 0 0 8.875 665.4
263 0.5 0 0 8.875 565.59
264 0.5 0 0 6.45 794.34
265 0.5 0 0 9.025 396.06
266 0.5 0 0 7 1248.8
267 0.5 0 0 8.1 2030.05
268 0.5 0 0 6.45 1088.83
269 0.5 0 0 8.65 1325.09
270 0.5 0 0 7.7 2093.72
271 0.5 0 0 9.25 549.86
272 0.5 0 0 8.4 510.37
273 0.5 0 0 7.14 1451.68
274 0.5 0 0 10.025 394.15
275 0.5 0 0 5.25 4271.76
276 0.5 0 0 10.05 774.28
277 0.5 0 0 10.025 274.99
278 0.5 0 0 9.25 1017.24
279 0.5 0 0 6.35 1205.68
280 0.5 0 0 11.49 78.88
281 0.5 0 0 8.4 666.66
282 0.5 0 0 9.49 719.01
283 0.5 0 0 7 710.41
284 0.5 0 0 6.75 761.25
285 0.5 0 0 11 238.62
286 0.5 0 0 8 2337.5
287 0.5 0 0 10.4 410.04
288 0.5 0 0 8.3 3409.56
289 0.5 0 0 11.3 87.53
290 0.5 0 0 10.49 852.61
291 0.5 0 0 7 5051.83
292 0.5 0 0 9.25 1317.95
293 0.5 0 0 6.49 1862.12
294 0.5 0 0 9 1034.26
295 0.5 0 0 6.3 2226.98
296 0.5 0 0 5.75 1666.67
297 0.5 0 0 8 961.15
298 0.5 0 0 7.75 2163.85
299 0.5 0 0 10.775 710.41
300 0.5 0 0 6.75 1500.79
301 0.5 0 0 9.49 233.24
302 0.5 0 0 6.49 1661.58
303 0.5 0 0 6.49 1954.02
304 0.5 0 0 6 2513.33
305 0.5 0 0 11.125 1119.83
306 0.5 0 0 10.49 837.38
307 0.5 0 0 9.25 996.62
308 0.5 0 0 8.9 311.76
309 0.5 0 0 7.2 627.41
310 0.5 0 0 6.4 974.73
311 0.5 0 0 10 800.4
312 0.5 0 0 9.49 748.82
313 0.5 0 0 9.775 682.45
314 0.5 0 0 7.25 2235.21
315 0.5 0 0 9 1093.12
316 0.5 0 0 9.78 952.24
317 0.5 0 0 10.75 512.83
318 0.5 0 0 7.4 559.65
319 0.5 0 0 7.1 748.44
320 0.5 0 0 6.2 1605.46
321 0.5 0 0 5.95 3269.68
322 0.5 0 0 10.375 2206.37
323 0.5 0 0 6.25 1080
324 0.5 0 0 10.35 1195.08
325 0.5 0 0 6.85 1802.36
326 0.5 0 0 11.125 1109.83
327 0.5 0 0 9.49 1060.97
328 0.5 0 0 8.49 440.14
329 0.5 0 0 10.25 1086.58
330 0.5 0 0 9.725 821.76
331 0.5 0 0 9.49 420.88
332 0.5 0 0 8.25 489.33
333 0.5 0 0 7.3 4039.57
334 0.5 0 0 8.99 628.42
335 0.5 0 0 10 665.94
336 0.5 0 0 8.75 649.92
337 0.5 0 0 9.25 1073.95
338 0.5 0 0 8.75 970.76
339 0.5 0 0 8.875 440.83
340 0.5 0 0 6.95 4395.5
341 0.5 0 0 8.49 610.97
342 0.5 0 0 7.4 1540.83
343 0.5 0 0 6.4 1150
344 0.5 0 0 10.49 1263.21
345 0.5 0 0 7 1977.03
346 0.5 0 0 8.75 279.71
347 0.5 0 0 8.25 601.83
348 0.5 0 0 6.75 2187.4
349 0.5 0 0 7.65 945.2
350 0.5 0 0 6.25 959.93
351 0.5 0 0 5.89 497.89
352 0.5 0 0 8.49 241.18
353 0.5 0 0 8.49 572.38
354 0.5 0 0 11.49 109.36
355 0.5 0 0 6.49 736.42
356 0.5 0 0 11.49 166.8
357 0.5 0 0 5.85 2563.62
358 0.5 0 0 9.24 576.86
359 0.5 0 0 6.5 1084.45
360 0.5 0 0 8.49 200.98
361 0.5 0 0 6.8 1964.92
362 0.5 0 0 8.9 263.25
363 0.5 0 0 7.49 706.68
364 0.5 0 0 10.275 1403.05
365 0.5 0 0 7.75 713.71
366 0.5 0 0 6.2 645.28
367 0.5 0 0 11.75 94.57
368 0.5 0 0 10.53 264.43
369 0.5 0 0 6.95 473.14
370 0.5 0 0 6.45 1096.19
371 0.5 0 0 10.4 391.14
372 0.5 0 0 7.95 597
373 0.5 0 0 10.49 454.85
374 0.5 0 0 7.3 1376.4
375 0.5 0 0 10.49 214.7
376 0.5 0 0 10 306.44
377 0.5 0 0 6.49 1070.06
378 0.5 0 0 11.75 117.39
379 0.5 0 0 8.625 173.7
380 0.5 0 0 6.49 3057.31
381 0.5 0 0 8.625 838.05
382 0.5 0 0 9 339.71
383 0.5 0 0 7.9 891.36
384 0.5 0 0 6.1 648.88
385 0.5 0 0 8.49 771.75
386 0.5 0 0 8.2 400.97
387 0.5 0 0 6.9 1606.33
388 0.5 0 0 10.25 354.54
389 0.5 0 0 9.48 698.95
390 0.5 0 0 9.475 251.1
391 0.5 0 0 10.5 241.9
392 0.5 0 0 7.15 1542.75
393 0.5 0 0 7 559.38
394 0.5 0 0 7.35 1035.82
395 0.5 0 0 8.65 1895.9
396 0.5 0 0 10.45 321.56
397 0.5 0 0 7.35 1663.68
398 0.5 0 0 5.85 596.85
399 0.5 0 0 12 157.36
400 0.5 0 0 8.35 1333.68
401 0.5 0 0 9 222.83
402 0.5 0 0 9.15 846.71
403 0.5 0 0 9.25 458.79
404 0.5 0 0 6.35 1090.36
405 0.5 0 0 10.49 435.82
406 0.5 0 0 11.5 173.6
407 0.5 0 0 5.9 1256.02
408 0.5 0 0 8.5 611.52
409 0.5 0 0 10.49 524.14
410 0.5 0 0 6.49 988.84
411 0.5 0 0 9.49 313.91
412 0.5 0 0 9.15 340.73
413 0.5 0 0 8.2 1903.02
414 0.5 0 0 6.35 927.03
415 0.5 0 0 6.25 2205.24
416 0.5 0 0 7 1114
417 0.5 0 0 6.99 1369.12
418 0.5 0 0 8.25 692.3
419 0.5 0 0 6.05 1151.28
420 0.5 0 0 9 341.39
421 0.5 0 0 9.25 116.53
422 0.5 0 0 6.9 1457.8
423 0.5 0 0 6.49 1262.8
424 0.5 0 0 9.49 319.17
425 0.5 0 0 7.75 471.8
426 0.5 0 0 6.35 1356.39
427 0.5 0 0 9.49 168.62
428 0.5 0 0 10.875 245.2
429 0.5 0 0 10.875 286.73
430 0.5 0 0 7.49 1049.76
431 0.5 0 0 11.49 132.95
432 0.5 0 0 8.45 2026.6
433 0.5 0 0 9.49 657.63
434 0.5 0 0 11 191.21
435 0.5 0 0 6.99 4469.86
436 0.5 0 0 11.75 143.11
437 0.5 0 0 9.49 138.71
438 0.5 0 0 7 1163.5
439 0.5 0 0 8.15 2689.52
440 0.5 0 0 9.25 907.27
441 0.5 0 0 6.65 1358.5
442 0.5 0 0 12 177.85
443 0.5 0 0 7.4 620.7
444 0.5 0 0 11.75 115.62
445 0.5 0 0 9.625 266.05
446 0.5 0 0 5.85 846.25
447 0.5 0 0 8.875 621.57
448 0.5 0 0 10.49 799.32
449 0.5 0 0 7.1 741.38
450 0.5 0 0 6 4740.52
451 0.5 0 0 10.25 388.33
452 0.5 0 0 8.15 4461.2
453 0.5 0 0 8.625 347.51
454 0.5 0 0 6.24 848.12
455 0.5 0 0 9.24 566.56
456 0.5 0 0 6.15 639.4
457 0.5 0 0 6.45 1053.83
458 0.5 0 0 9.4 870.2
459 0.5 0 0 8.49 254.04
460 0.5 0 0 10.25 339.79
461 0.5 0 0 6.3 782.32
462 0.5 0 0 10.875 460.96
463 0.5 0 0 8.85 257.77
464 0.5 0 0 6.95 1182.85
465 0.5 0 0 10.025 398.03
466 0.5 0 0 5.5 834.58
467 0.5 0 0 7.4 1162.89
468 0.5 0 0 6.49 1209.63
469 0.5 0 0 5.5 935.3
470 0.5 0 0 9.49 305.14
471 0.5 0 0 8.9 250.08
472 0.5 0 0 6.2 1697.09
473 0.5 0 0 7.175 946.17
474 0.5 0 0 6.49 1031.98
475 0.5 0 0 6.7 809.12
476 0.5 0 0 8.49 1414.87
477 0.5 0 0 9 494.43
478 0.5 0 0 9.99 272.37
479 0.5 0 0 10.49 201.07
480 0.5 0 0 7.49 1055.62
481 0.5 0 0 7.8 1435.84
482 0.5 0 0 10.25 286.58
483 0.5 0 0 6.25 830.21
484 0.5 0 0 8.15 1935.77
485 0.5 0 0 7.65 988.37
486 0.5 0 0 5.7 1151.45
487 0.5 0 0 6.5 1680
488 0.5 0 0 8.49 2821.71
489 0.5 0 0 8.49 578.82
490 0.5 0 0 6.05 1491.22
491 0.5 0 0 10.5 304.75
492 0.5 0 0 7.15 2284.64
493 0.5 0 0 6.1 1188
494 0.5 0 0 10.025 323.11
495 0.5 0 0 9.75 215.16
496 0.5 0 0 9.49 298.13
497 0.5 0 0 5.65 1194.09
498 0.5 0 0 6.45 1158.33
499 0.5 0 0 5.55 1253.28
500 0.5 0 0 10.49 315.93
501 0.5 0 0 7.3 2937.08
502 0.5 0 0 8.75 243.31
503 0.5 0 0 8.75 301.1
504 0.5 0 0 5.95 1509.12
505 0.5 0 0 10 165.7
506 0.5 0 0 5.7 913.47
507 0.5 0 0 5.5 1737.5
508 0.5 0 0 8.49 355.33
509 0.5 0 0 6.2 870.61
510 0.5 0 0 11.125 337.25
511 0.5 0 0 10 457.37
512 0.5 0 0 10.45 240.24
513 0.5 0 0 8.75 561.89
514 0.5 0 0 7.2 741.48
515 0.5 0 0 8.875 956.55
516 0.5 0 0 8.49 209.02
517 0.5 0 0 8.49 417.87
518 0.5 0 0 7.3 1036.62
519 0.5 0 0 6.49 1661.58
520 0.5 0 0 6 1226.22
521 0.5 0 0 10.49 506.24
522 0.5 0 0 10.025 149.44
523 0.5 0 0 9.25 876.34
524 0.5 0 0 9.75 573.51
525 0.5 0 0 10.49 638.7
526 0.5 0 0 5.6 727.2
527 0.5 0 0 11.49 80.75
528 0.5 0 0 6.65 1756.06
529 0.5 0 0 6.15 1037.46
530 0.5 0 0 8.9 336.78
531 0.5 0 0 8.2 476.15
532 0.5 0 0 6.74 1673.76
533 0.5 0 0 7.95 1526.92
534 0.5 0 0 6.8 661.58
535 0.5 0 0 7.49 1140.73
536 0.5 0 0 6.89 719.37
537 0.5 0 0 7.35 630.75
538 0.5 0 0 10.49 247.41
539 0.5 0 0 6.99 402.36
540 0.5 0 0 11 100.18
541 0.5 0 0 7.49 2283.77
542 0.5 0 0 9 271.74
543 0.5 0 0 8.9 223.82
544 0.5 0 0 6.15 667.65
545 0.5 0 0 10.49 496.72
546 0.5 0 0 11.49 141.3
547 0.5 0 0 10.49 271.75
548 0.5 0 0 11 107.21
549 0.5 0 0 6.5 1516.67
550 0.5 0 0 8.3 1288.15
551 0.5 0 0 8.9 291.34
552 0.5 0 0 10.49 279.77
553 0.5 0 0 8.77 420.31
554 0.5 0 0 7.3 1863.03
555 0.5 0 0 7.1 1977.01
556 0.5 0 0 7.8 815.17
557 0.5 0 0 9.49 280.59
558 0.5 0 0 6.2 515.71
559 0.5 0 0 9.475 620.02
560 0.5 0 0 9.7 217.16
561 0.5 0 0 11.75 181.15
562 0.5 0 0 6.05 1569.34
563 0.5 0 0 9.49 1297.72
564 0.5 0 0 10.875 262.58
565 0.5 0 0 6.45 709.61
566 0.5 0 0 8.9 223.4
567 0.5 0 0 7.65 1130.67
568 0.5 0 0 6.95 946.28
569 0.5 0 0 7.1 981.92
570 0.5 0 0 10.025 355.28
571 0.5 0 0 6.8 971.16
572 0.5 0 0 6.325 2431.36
573 0.5 0 0 9.49 310.53
574 0.5 0 0 11.49 211.93
575 0.5 0 0 6.15 826.86
576 0.5 0 0 9.47 323.89
577 0.5 0 0 8.75 361.65
578 0.5 0 0 9.525 297.25
579 0.5 0 0 10.025 129.6
580 0.5 0 0 5.2 1365.63
581 0.5 0 0 6.3 1450.21
582 0.5 0 0 7.25 1283.82
583 0.5 0 0 6.35 1368.19
584 0.5 0 0 10.49 426.31
585 0.5 0 0 7.1 728.67
586 0.5 0 0 11.15 143.1
587 0.5 0 0 9.99 639.8
588 0.5 0 0 9.09 661
589 0.5 0 0 11 394.27
590 0.5 0 0 9.875 284.3
591 0.5 0 0 8.9 218.4
592 0.5 0 0 10.49 365.22
593 0.5 0 0 7.29 2468.23
594 0.5 0 0 10.49 816.45
595 0.5 0 0 9.25 584.23
596 0.5 0 0 10.49 227.2
597 0.5 0 0 8.49 514.34
598 0.5 0 0 11.75 99.39
599 0.5 0 0 6.25 593.6
600 0.5 0 0 9.49 457.71
601 0.5 0 0 8.49 231.93
602 0.5 0 0 6.35 686.72
603 0.5 0 0 7.95 1438.91
604 0.5 0 0 7.45 847.13
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608 0.5 0 0 10.025 265.82
609 0.5 0 0 7.3 950.23
610 0.5 0 0 7.65 967.53
611 0.5 0 0 6.4 1433.12
612 0.5 0 0 7.2 1376.02
613 0.5 0 0 6.65 875.33
614 0.5 0 0 7.25 1110.44
615 0.5 0 0 6.65 1118.48
616 0.5 0 0 7.8 1660.53
617 0.5 0 0 8.9 280.08
618 0.5 0 0 5.3 563.29
619 0.5 0 0 7.2 970.2
620 0.5 0 0 8.9 275.08
621 0.5 0 0 10.525 519.1
622 0.5 0 0 8.775 247.37
623 0.5 0 0 12 212.62
624 0.5 0 0 6.25 596.72
625 0.5 0 0 7.25 2205.98
626 0.5 0 0 10.025 512.77
627 0.5 0 0 10.65 499.19
628 0.5 0 0 8.05 803.36
629 0.5 0 0 9.475 411.6
630 0.5 0 0 7.8 1132.18
631 0.5 0 0 8.05 772.46
632 0.5 0 0 8.45 937.21
633 0.5 0 0 12.75 165.87
634 0.5 0 0 8.49 303.88
635 0.5 0 0 9.475 858.22
636 0.5 0 0 5.55 2290.53
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641 0.5 0 0 6.95 779.29
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647 0.5 0 0 6.55 1621.5
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649 0.5 0 0 10.35 1896.13
650 0.5 0 0 6.25 607.5
651 0.5 0 0 7.65 1047.91
652 0.5 0 0 7.45 1529.49
653 0.5 0 0 6.1 1328.42
654 0.5 0 0 6.95 2020.59
655 0.5 0 0 6.45 2594.84
656 0.5 0 0 6.1 1929.86
657 0.5 0 0 7.25 987.87
658 0.5 0 0 6.9 828.8
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660 0.5 0 0 10.025 665.46
661 0.5 0 0 7.25 4668.68
662 0.5 0 0 11.15 252.45
663 0.5 0 0 6 626.51
664 0.5 0 0 8.9 433.46
665 0.5 0 0 6.15 961.41
666 0.5 0 0 5.8 668.5
667 0.5 0 0 7 1482.34
668 0.5 0 0 5.95 804.34
669 0.5 0 0 6.5 3832.15
670 0.5 0 0 10.525 295.81
671 0.5 0 0 6.6 2489.44
672 0.5 0 0 6.75 1009.63
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675 0.5 0 0 10.275 706.6
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677 0.5 0 0 10.025 339.15
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679 0.5 0 0 6.4 1053.77
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690 0.5 0 0 7.45 730.29
691 0.5 0 0 8.9 658.52
692 0.5 0 0 7.35 1736.01
693 0.5 0 0 6.3 1121.32
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696 0.5 0 0 10.525 522.91
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698 0.5 0 0 6.6 559.48
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702 0.5 0 0 10.025 274.31
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706 0.5 0 0 5.7 1714.92
707 0.5 0 0 12.25 88.71
708 0.5 0 0 8.75 2550.3
709 0.5 0 0 10.525 471.39
710 0.5 0 0 7.3 777.47
711 0.5 0 0 7.35 723.34
712 0.5 0 0 7.4 755.3
713 0.5 0 0 10 1838.63
714 0.5 0 0 10.525 381.69
715 0.5 0 0 7.3 1331.77
716 0.5 0 0 10.025 641.63
717 0.5 0 0 10.025 293.14
718 0.5 0 0 7.3 1612.51
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722 0.5 0 0 7.35 5425.02
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728 0.5 0 0 11.75 129.71
729 0.5 0 0 6.65 1864.13
730 0.5 0 0 9.475 665.38
731 0.5 0 0 6.35 1474.34
732 0.5 0 0 10.525 286.08
733 0.5 0 0 7.2 1910.74
734 0.5 0 0 9.625 413.26
735 0.5 0 0 6.55 1192.9
736 0.5 0 0 10.275 218.1
737 0.5 0 0 6.65 2971.79
738 0.5 0 0 6.35 1618.5
739 0.5 0 0 8 732.01
740 0.5 0 0 10.75 308.87
741 0.5 0 0 10.525 138.86
742 0.5 0 0 10.49 814.55
743 0.5 0 0 6.7 1485.7
744 0.5 0 0 8.4 327.75
745 0.5 0 0 10.8 263.27
746 0.5 0 0 10.9 299.76
747 0.5 0 0 7.6 1111.13
748 0.5 0 0 10.525 295.81
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750 0.5 0 0 7.45 1263.39
751 0.5 0 0 11.75 94.2
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754 0.5 0 0 9.45 367.03
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763 0.5 0 0 9.45 831.94
764 0.5 0 0 7.2 1386
765 0.5 0 0 10.875 482.54
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767 0.5 0 0 7.2 1334.67
768 0.5 0 0 6.95 1608.68
769 0.5 0 0 8.25 1384.6
770 0.5 0 0 8.1 589.77
771 0.5 0 0 7.4 1133.82
772 0.5 0 0 7.45 817.34
773 0.5 0 0 10.525 372.15
774 0.5 0 0 6.49 1718.08
775 0.5 0 0 5.6 627.82
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777 0.5 0 0 10.025 529.8
778 0.5 0 0 8.2 1566.27
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780 0.5 0 0 7.15 1305.51
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783 0.5 0 0 11.5 874.32
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785 0.5 0 0 10.025 320.82
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790 0.5 0 0 10.85 367.07
791 0.5 0 0 10.9 373.42
792 0.5 0 0 10.025 261.02
793 0.5 0 0 10.525 306.56
794 0.5 0 0 9.625 1026.95
795 0.5 0 0 6.95 1096.58
796 0.5 0 0 11.65 199.63
797 0.5 0 0 10.525 250.4
798 0.5 0 0 9.15 638.87
799 0.5 0 0 10.275 368.54
800 0.5 0 0 7.05 1208.55
801 0.5 0 0 9.475 280.24
802 0.5 0 0 10.525 280.54
803 0.5 0 0 10.875 533.72
804 0.5 0 0 8.9 156.56
805 0.5 0 0 5.35 1203.48
806 0.5 0 0 8.65 587.12
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808 0.5 0 0 6.225 1132.14
809 0.5 0 0 6.19 3055.66
810 0.5 0 0 6.4 1185.49
811 0.5 0 0 6.7 1525.92
812 0.5 0 0 7.2 1119.07
813 0.5 0 0 7.7 897.31
814 0.5 0 0 10.525 1584.72
815 0.5 0 0 8.775 359.48
816 0.5 0 0 8.775 463.37
817 0.5 0 0 10.875 470.77
818 0.5 0 0 5.75 1401.26
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820 0.5 0 0 6.04 1076.46
821 0.5 0 0 6.45 1310.66
822 0.5 0 0 7.4 1046.6
823 0.5 0 0 7.5 1085.98
824 0.5 0 0 6.95 703.8
825 0.5 0 0 7.2 1380.3
826 0.5 0 0 6.15 1540.72
827 0.5 0 0 9.65 2021.74
828 0.5 0 0 10.525 429.4
829 0.5 0 0 8.9 358.44
830 0.5 0 0 7.15 532.14
831 0.5 0 0 5.25 924.38
832 0.5 0 0 10.525 343.52
833 0.5 0 0 6.49 917.2
834 0.5 0 0 10.525 310.12
835 0.5 0 0 12.75 222.42
836 0.5 0 0 7.95 1009.68
837 0.5 0 0 5.6 996.33
838 0.5 0 0 8.49 1278.21
839 0.5 0 0 10.3 2530.56
840 0.5 0 0 7.49 3738.65
841 0.5 0 0 11.49 93.22
842 0.5 0 0 11.75 159.42
843 0.5 0 0 6.7 705.94
844 0.5 0 0 8.4 577.35
845 0.5 0 0 6.4 669.14
846 0.5 0 0 6.1 3065.57
847 0.5 0 0 8.15 1303.76
848 0.5 0 0 7.9 3072.48
849 0.5 0 0 10.175 214.33
850 0.5 0 0 6.95 1224.6
851 0.5 0 0 6.7 2715.16
852 0.5 0 0 7.45 2683.13
853 0.5 0 0 6.6 504.03
854 0.5 0 0 10.525 1095.44
855 0.5 0 0 8.75 2954.23
856 0.5 0 0 8.65 1015.23
857 0.5 0 0 10.525 404.59
858 0.5 0 0 9.475 923.02
859 0.5 0 0 5.9 990.81
860 0.5 0 0 6.95 1758.2
861 0.5 0 0 8 1214.89
862 0.5 0 0 7.8 838.54
863 0.5 0 0 11.75 200.69
864 0.5 0 0 10.525 278.64
865 0.5 0 0 10.9 274.2
866 0.5 0 0 8.7 1089.35
867 0.5 0 0 8.2 924.1
868 0.5 0 0 9.725 262.91
869 0.5 0 0 5.85 1040.38
870 0.5 0 0 6.7 1018.19
871 0.5 0 0 11.7 1085.8
872 0.5 0 0 10.025 403.31
873 0.5 0 0 11.75 156.04
874 0.5 0 0 9.125 765
875 0.5 0 0 6.99 1061.77
876 0.5 0 0 5.95 1760.6
877 0.5 0 0 8.625 341.73
878 0.5 0 0 6.49 854.11
879 0.5 0 0 5.95 941.16
880 0.5 0 0 6.35 1223.87
881 0.5 0 0 6.125 729.96
882 0.5 0 0 7.35 1793.88
883 0.5 0 0 8.65 879.86
884 0.5 0 0 6.85 641.84
885 0.5 0 0 6.2 804
886 0.5 0 0 7 1553.05
887 0.5 0 0 8.775 296.82
888 0.5 0 0 5.6 854
889 0.5 0 0 9.625 296.12
890 0.5 0 0 8.5 152.14
891 0.5 0 0 6.4 652.02
892 0.5 0 0 6.65 769.97
893 0.5 0 0 10.025 291.35
894 0.5 0 0 6.95 2345.3
895 0.5 0 0 7.8 951.03
896 0.5 0 0 8.9 237.57
897 0.5 0 0 11.75 90.58
898 0.5 0 0 10.525 553.26
899 0.5 0 0 9.375 868.35
900 0.5 0 0 10.275 662.24
901 0.5 0 0 11.75 184.57
902 0.5 0 0 8.775 577.15
903 0.5 0 0 9.15 449.77
904 0.5 0 0 12.75 190.75
905 0.5 0 0 6.15 1027.15
906 0.5 0 0 10.875 447.23
907 0.5 0 0 10.875 904.76
908 0.5 0 0 6.2 1216.66
909 0.5 0 0 7 5244.11
910 0.5 0 0 6.4 2054.84
911 0.5 0 0 11.75 110.14
912 0.5 0 0 9.475 768.89
913 0.5 0 0 10.9 766.49
914 0.5 0 0 7.65 1332.21
915 0.5 0 0 10.525 254.11
916 0.5 0 0 6.5 997.96
917 0.5 0 0 7.4 981.19
918 0.5 0 0 5.45 1049.09
919 0.5 0 0 8.625 292.91
920 0.5 0 0 10.75 1043.09
921 0.5 0 0 9.15 524.73
922 0.5 0 0 9.475 499.17
923 0.5 0 0 6.75 682.18
924 0.5 0 0 8.05 1013.86
925 0.5 0 0 8.775 362.61
926 0.5 0 0 6.7 380.13
927 0.5 0 0 8.9 299.92
928 0.5 0 0 10.025 250.93
929 0.5 0 0 8.49 1527.42
930 0.5 0 0 8.3 1106.39
931 0.5 0 0 8.775 450.18
932 0.5 0 0 10.025 432.07
933 0.5 0 0 6.8 986.68
934 0.5 0 0 10.875 270.73
935 0.5 0 0 10.49 244.84
936 0.5 0 0 6.55 1283.1
937 0.5 0 0 6.35 3014.2
938 0.5 0 0 9.875 142.7
939 0.5 0 0 6.95 1072.8
940 0.5 0 0 5.95 883.65
941 0.5 0 0 7.4 1200.11
942 0.5 0 0 8.3 857.45
943 0.5 0 0 8.775 338.87
944 0.5 0 0 6.85 798.7
945 0.5 0 0 6.3 2503.4
946 0.5 0 0 10.525 274.82
947 0.5 0 0 10.525 238.56
948 0.5 0 0 9.475 332.78
949 0.5 0 0 10.525 314.9
950 0.5 0 0 8.25 1888.09
951 0.5 0 0 6.75 804.97
952 0.5 0 0 10.025 962.44
953 0.5 0 0 6.55 775.66
954 0.5 0 0 10.875 286.39
955 0.5 0 0 8.9 257.57
956 0.5 0 0 5.6 784.46
957 0.5 0 0 7.4 1307.67
958 0.5 0 0 10.025 1640.55
959 0.5 0 0 11.125 427.94
960 0.5 0 0 10.275 304.93
961 0.5 0 0 7.4 1162.89
962 0.5 0 0 10.025 495.34
963 0.5 0 0 7.55 757.9
964 0.5 0 0 6.9 690.67
965 0.5 0 0 7.9 1500.83
966 0.5 0 0 10.875 567.03
967 0.5 0 0 5.95 1443.69
968 0.5 0 0 7.3 662.29
969 0.5 0 0 5.45 1626.33
970 0.5 0 0 10.9 442.01
971 0.5 0 0 6.15 1489.36
972 0.5 0 0 6.2 905.01
973 0.5 0 0 6.25 722.48
974 0.5 0 0 9.475 262.72
975 0.5 0 0 7.55 1207.92
976 0.5 0 0 6.8 904.96
977 0.5 0 0 9.75 376.37
978 0.5 0 0 6.4 605.92
979 0.5 0 0 10.525 265.73
980 0.5 0 0 8.9 1425.41
981 0.5 0 0 6.49 1304.8
982 0.5 0 0 8.9 233.4
983 0.5 0 0 6.8 802.12
984 0.5 0 0 7.25 1088.38
985 0.5 0 0 7.6 1969.69
986 0.5 0 0 7.9 1142.76
987 0.5 0 0 10.025 526.14
988 0.5 0 0 9.75 309.16
989 0.5 0 0 9.15 558.8
990 0.5 0 0 7.1 903.78
991 0.5 0 0 6.74 2453.4
992 0.5 0 0 10.875 608.08
993 0.5 0 0 10.525 274.81
994 0.5 0 0 11.75 230.43
995 0.5 0 0 7.4 974.33
996 0.5 0 0 6.7 1574.79
997 0.5 0 0 6.55 521.56
998 0.5 0 0 5.8 1064.64
999 0.5 0 0 7.45 1168.46
1000 0.5 0 0 9.75 163.5
1001 0.5 0 0 10.025 215.86
1002 0.5 0 0 7.15 993.33
1003 0.5 0 0 8.9 358.44
1004 0.5 0 0 6.5 1437.06
1005 0.5 0 0 10.8 2437.66
1006 0.5 0 0 10.8 2059.82
1007 0.5 0 0 7.8 948.01
1008 0.5 0 0 10.025 339.15
1009 0.5 0 0 9 522.12
1010 0.5 0 0 7.8 788.75
1011 0.5 0 0 12 79.4
1012 0.5 0 0 10.025 240.16
1013 0.5 0 0 6.45 1959.37
1014 0.5 0 0 5.7 1798
1015 0.5 0 0 8.1 1676.19
1016 0.5 0 0 11.75 72.46
1017 0.5 0 0 7.75 751.27
1018 0.5 0 0 9.475 470.09
1019 0.5 0 0 7.3 754.43
1020 0.5 0 0 10.025 235.57
1021 0.5 0 0 7.3 2044.44
1022 0.5 0 0 7.975 951.26
1023 0.5 0 0 9.75 471.35
1024 0.5 0 0 10.525 250.01
1025 0.5 0 0 10.525 277.57
1026 0.5 0 0 7.15 1237.4
1027 0.5 0 0 5.65 1535.26
1028 0.5 0 0 8.625 419.84
1029 0.5 0 0 7.45 3941.87
1030 0.5 0 0 6.4 1975.81
1031 0.5 0 0 10.875 394.27
1032 0.5 0 0 6.45 1195.4
1033 0.5 0 0 9.49 648.86
1034 0.5 0 0 7.65 868.69
1035 0.5 0 0 10.525 278.44
1036 0.5 0 0 12 203.47
1037 0.5 0 0 6.49 1495.42
1038 0.5 0 0 6.25 1924.27
1039 0.5 0 0 9.125 224.4
1040 0.5 0 0 8.15 1116.79
1041 0.5 0 0 11.75 89.13
1042 0.5 0 0 8.5 534.27
1043 0.5 0 0 6.95 807.13
1044 0.5 0 0 10.625 713.36
1045 0.5 0 0 6.75 813.43
1046 0.5 0 0 7.7 897.31
1047 0.5 0 0 8.9 525.15
1048 0.5 0 0 6.65 1485.36
1049 0.5 0 0 7.65 1205.69
1050 0.5 0 0 6.7 1153.94
1051 0.5 0 0 6.45 1721.07
1052 0.5 0 0 7.9 1035.49
1053 0.5 0 0 6.5 1423.75
1054 0.5 0 0 12 120.62
1055 0.5 0 0 8 836.58
1056 0.5 0 0 7 1048.83
1057 0.5 0 0 7.2 946.82
1058 0.5 0 0 11.75 119.49
1059 0.5 0 0 7.65 791.89
1060 0.5 0 0 8.25 818.17
1061 0.5 0 0 10.9 192.87
1062 0.5 0 0 9.475 329.28
1063 0.5 0 0 7.05 1967.4
1064 0.5 0 0 9.625 1122.28
1065 0.5 0 0 10.525 925.4
1066 0.5 0 0 7.49 2496.87
1067 0.5 0 0 9.725 154.56
1068 0.5 0 0 7.49 1731.17
1069 0.5 0 0 10.875 380.54
1070 0.5 0 0 8.9 541.82
1071 0.5 0 0 7.2 718.67
1072 0.5 0 0 6.1 2477.49
1073 0.5 0 0 6.49 515.09
1074 0.5 0 0 10.49 253.12
1075 0.5 0 0 10.875 635.54
1076 0.5 0 0 8.7 786.3
1077 0.5 0 0 10.275 261.91
1078 0.5 0 0 6.9 1052.42
1079 0.5 0 0 8.7 1904.31
1080 0.5 0 0 9.475 1488.74
1081 0.5 0 0 9.475 546.46
1082 0.5 0 0 6.75 4103.21
1083 0.5 0 0 10.525 157.07
1084 0.5 0 0 5.49 2641.19
1085 0.5 0 0 8.49 1611.83
1086 0.5 0 0 8.2 877.11
1087 0.5 0 0 9 1576.61
1088 0.5 0 0 7 643.28
1089 0.5 0 0 5.85 592.67
1090 0.5 0 0 8.625 227.82
1091 0.5 0 0 8.4 398.72
1092 0.5 0 0 8.49 635.09
1093 0.5 0 0 8.99 226.84
1094 0.5 0 0 5.49 766.61
1095 0.5 0 0 6.8 1508.26
1096 0.5 0 0 7.2 4669.89
1097 0.5 0 0 6.25 736.55
1098 0.5 0 0 8.5 634.05
1099 0.5 0 0 8.9 366.77
1100 0.5 0 0 9.475 726.86
1101 0.5 0 0 6.35 1780.54
1102 0.5 0 0 8 2706.58
1103 0.5 0 0 5.4 1186.28
1104 0.5 0 0 5.35 816.48
1105 0.5 0 0 7.3 950.23
1106 0.5 0 0 10.65 318.02
1107 0.5 0 0 6.29 1823.53
1108 0.5 0 0 6.49 664.64
1109 0.5 0 0 9.49 469.99
1110 0.5 0 0 6.5 1064.49
1111 0.5 0 0 10.025 229.16
1112 0.5 0 0 8.9 333.43
1113 0.5 0 0 9.05 574.27
1114 0.5 0 0 7.875 1489.75
1115 0.5 0 0 7.49 635.72
1116 0.5 0 0 6.64 1538.39
1117 0.5 0 0 10.49 542.4
1118 0.5 0 0 10.375 636.46
1119 0.5 0 0 9.75 293.93
1120 0.5 0 0 7.09 2358.82
1121 0.5 0 0 9.9 446.38
1122 0.5 0 0 6.75 1140.6
1123 0.5 0 0 7.05 1227.63
1124 0.5 0 0 10.525 398.87
1125 0.5 0 0 7.15 953.59
1126 0.5 0 0 6.15 867.94
1127 0.5 0 0 7.49 1639.17
1128 0.5 0 0 8.625 634.48
1129 0.5 0 0 6.3 769.28
1130 0.5 0 0 6 1193.35
1131 0.5 0 0 5.99 2358.03
1132 0.5 0 0 6.75 1248.64
1133 0.5 0 0 5.75 1512.01
1134 0.5 0 0 5.7 2425.38
1135 0.5 0 0 5.6 775.68
1136 0.5 0 0 6.8 847.37
1137 0.5 0 0 10.75 534.2
1138 0.5 0 0 9.49 692.7
1139 0.5 0 0 5.25 2496.84
1140 0.5 0 0 8.49 768.54
1141 0.5 0 0 11.75 108.69
1142 0.5 0 0 10.49 426.31
1143 0.5 0 0 6.375 1475.83
1144 0.5 0 0 5.8 3444
1145 0.5 0 0 10.875 568.85
1146 0.5 0 0 8.25 2045.43
1147 0.5 0 0 8.625 1122.82
1148 0.5 0 0 11.5 267.04
1149 0.5 0 0 8.775 530.98
1150 0.5 0 0 7.49 2257.33
1151 0.5 0 0 8.49 876.26
1152 0.5 0 0 7.75 763.29
1153 0.5 0 0 6.15 980.61
1154 0.5 0 0 8.625 260.37
1155 0.5 0 0 10.9 290.47
1156 0.5 0 0 10.75 1208.25
1157 0.5 0 0 7.45 679.17
1158 0.5 0 0 8.2 978.92
1159 0.5 0 0 8.775 358.66
1160 0.5 0 0 11.75 96.38
1161 0.5 0 0 8.9 1367.06
1162 0.5 0 0 6 4205.93
1163 0.5 0 0 7.77 1681.57
1164 0.5 0 0 10.75 246.71
1165 0.5 0 0 9.275 446
1166 0.5 0 0 6 3053.16
1167 0.5 0 0 6.95 2247.42
1168 0.5 0 0 6.15 2711.66
1169 0.5 0 0 6.75 1015
1170 0.5 0 0 8.05 811.09
1171 0.5 0 0 9.475 1029.86
1172 0.5 0 0 8.625 310.81
1173 0.5 0 0 11.25 248.56
1174 0.5 0 0 6.99 2226.57
1175 0.5 0 0 6 1617.59
1176 0.5 0 0 9.625 1005.85
1177 0.5 0 0 8.9 350.1
1178 0.5 0 0 8.15 1309.68
1179 0.5 0 0 6.2 2168.14
1180 0.5 0 0 7.3 1259.78
1181 0.5 0 0 7.2 2823.33
1182 0.5 0 0 6.65 1102.27
1183 0.5 0 0 10.375 878.12
1184 0.5 0 0 6.15 1515.04
1185 0.5 0 0 8.625 398.69
1186 0.5 0 0 10.49 561.43
1187 0.5 0 0 8.49 331.62
1188 0.5 0 0 9.25 1194.23
1189 0.5 0 0 6 620.95
1190 0.5 0 0 6.95 778.53
1191 0.5 0 0 8.05 1492.4
1192 0.5 0 0 8.775 964.66
1193 0.5 0 0 7.49 916.34
1194 0.5 0 0 7.39 2875.4
1195 0.5 0 0 8.775 865.72
1196 0.5 0 0 11.25 71.73
1197 0.5 0 0 10 2081.04
1198 0.5 0 0 9.9 380.15
1199 0.5 0 0 5.99 3385.98
1200 0.5 0 0 8.9 533.32
1201 0.5 0 0 9.74 1401.39
1202 0.5 0 0 6.45 3018.49
1203 0.5 0 0 7.8 2469.65
1204 0.5 0 0 6.49 4984.74
1205 0.5 0 0 7.35 976.51
1206 0.5 0 0 7.45 2730.29
1207 0.5 0 0 8.625 260.37
1208 0.5 0 0 6.4 2318.01
1209 0.5 0 0 6.2 1022.13
1210 0.5 0 0 7.15 1667.36
1211 0.5 0 0 8.625 634.64
1212 0.5 0 0 10.525 389.32
1213 0.5 0 0 11.49 259.1
1214 0.5 0 0 5.25 1495
1215 0.5 0 0 6.35 2522.75
1216 0.5 0 0 9.95 3632.77
1217 0.5 0 0 6.8 2605.17
1218 0.5 0 0 6.3 1084.81
1219 0.5 0 0 6.75 2567.71
1220 0.5 0 0 6.3 803.18
1221 0.5 0 0 5.25 1634.01
1222 0.5 0 0 8.9 346.77
1223 0.5 0 0 7.05 1124.23
1224 0.5 0 0 9 891.31
1225 0.5 0 0 5.39 2380.54
1226 0.5 0 0 7.45 4790.65
1227 0.5 0 0 7.49 623.11
1228 0.5 0 0 10.49 666.1
1229 0.5 0 0 6.35 1638.15
1230 0.5 0 0 8.6 4237.75
1231 0.5 0 0 6.25 700.49
1232 0.5 0 0 6.35 1096
1233 0.5 0 0 6.9 944.41
1234 0.5 0 0 10.1 464.81
1235 0.5 0 0 11.75 262.31
1236 0.5 0 0 10.9 933.54
1237 0.5 0 0 6.45 926.73
1238 0.5 0 0 10.275 252.55
1239 0.5 0 0 7.49 4535.86
1240 0.5 0 0 5.49 1796.73
1241 0.5 0 0 9.75 707.93
1242 0.5 0 0 9.65 693.17
1243 0.5 0 0 7.875 3800.37
1244 0.5 0 0 7 699.22
1245 0.5 0 0 7.1 811.99
1246 0.5 0 0 11.75 115.94
1247 0.5 0 0 11.49 80.32
1248 0.5 0 0 6.75 1773.66
1249 0.5 0 0 10.525 148.93
1250 0.5 0 0 10.375 544.03
1251 0.5 0 0 6.45 1056.4
1252 0.5 0 0 9.49 178.29
1253 0.5 0 0 10.49 1037.21
1254 0.5 0 0 6 1668.41
1255 0.5 0 0 6 3185
1256 0.5 0 0 5.25 1495
1257 0.5 0 0 6.35 1834.21
1258 0.5 0 0 6.25 2021.25
1259 0.5 0 0 5.85 796.47
1260 0.5 0 0 7.35 1218.82
1261 0.5 0 0 7.49 1993.95
1262 0.5 0 0 9.25 2061.98
1263 0.5 0 0 11.75 223.71
1264 0.5 0 0 10.75 384.62
1265 0.5 0 0 6.49 2027.13
1266 0.5 0 0 6.3 3218.67
1267 0.5 0 0 10.525 906.51
1268 0.5 0 0 6.49 2143.44
1269 0.5 0 0 9.49 341.09
1270 0.5 0 0 9.49 289.36
1271 0.5 0 0 7.2 998.15
1272 0.5 0 0 8.375 1448.08
1273 0.5 0 0 6.1 1319.56
1274 0.5 0 0 5.85 622.24
1275 0.5 0 0 6.6 3692
1276 0.5 0 0 7.49 4618.33
1277 0.5 0 0 11.49 282.66
1278 0.5 0 0 10.025 362.98
1279 0.5 0 0 8.125 213.9
1280 0.5 0 0 9.9 649.61
1281 0.5 0 0 6 2094.35
1282 0.5 0 0 9.15 3198.58
1283 0.5 0 0 9.25 799.02
1284 0.5 0 0 6.25 887.29
1285 0.5 0 0 10.49 856.42
1286 0.5 0 0 9.9 787.75
1287 0.5 0 0 6.49 2312.92
1288 0.5 0 0 5.8 1407
1289 0.5 0 0 6.7 1167.52
1290 0.5 0 0 9.49 472
1291 0.5 0 0 6.25 4218.75
1292 0.5 0 0 5.75 2654.17
1293 0.5 0 0 6.49 789.59
1294 0.5 0 0 9.475 788.16
1295 0.5 0 0 10.49 282.62
1296 0.5 0 0 9.75 552.9
1297 0.5 0 0 8.6 3937.37
1298 0.5 0 0 6.49 3522.55
1299 0.5 0 0 5.8 3276
1300 0.5 0 0 12 141.26
1301 0.5 0 0 9.49 399.84
1302 0.5 0 0 11.49 148.44
1303 0.5 0 0 8.9 1061.97
1304 0.5 0 0 5.5 3081.2
1305 0.5 0 0 9.775 395.11
1306 0.5 0 0 5.95 804.85
1307 0.5 0 0 6.49 664.64
1308 0.5 0 0 6.8 549.93
1309 0.5 0 0 9.49 596.25
1310 0.5 0 0 10.875 245.98
1311 0.5 0 0 10.275 1328.22
1312 0.5 0 0 9.75 1263.06
1313 0.5 0 0 9 845.06
1314 0.5 0 0 10.49 827.87
1315 0.5 0 0 10.025 311.65
1316 0.5 0 0 8.49 514.5
1317 0.5 0 0 8.775 552.41
1318 0.5 0 0 7.7 1876.87
1319 0.5 0 0 5.85 3175
1320 0.5 0 0 9.5 921.46
1321 0.5 0 0 9.375 1389.36
1322 0.5 0 0 6.3 2402.67
1323 0.5 0 0 6.45 3640.72
1324 0.5 0 0 6.49 1395.73
1325 0.5 0 0 9.125 612
1326 0.5 0 0 9.475 656.8
1327 0.5 0 0 7 2691.98
1328 0.5 0 0 7.49 2334.47
1329 0.5 0 0 6.45 1774.03
1330 0.5 0 0 6.15 2660
1331 0.5 0 0 9.05 422.6
1332 0.5 0 0 6.65 986.1
1333 0.5 0 0 8.25 755.24
1334 0.5 0 0 7.2 1173.94
1335 0.5 0 0 9.49 1052.2
1336 0.5 0 0 10 292.72
1337 0.5 0 0 6.25 1822.5
1338 0.5 0 0 8.775 371.02
1339 0.5 0 0 6.65 815.36
1340 0.5 0 0 6.5 564.18
1341 0.5 0 0 8.75 872.04
1342 0.5 0 0 10.775 373.5
1343 0.5 0 0 9.49 911.91
1344 0.5 0 0 9.49 198.69
1345 0.5 0 0 8.9 209.23
1346 0.5 0 0 10.525 744.29
1347 0.5 0 0 10.525 241.3
1348 0.5 0 0 10.025 334.57
1349 0.5 0 0 6.25 1696.74
1350 0.5 0 0 8.95 803.73
1351 0.5 0 0 5.85 1519.77
1352 0.5 0 0 6.99 3089.63
1353 0.5 0 0 6.05 1593.83
1354 0.5 0 0 9.49 903.14
1355 0.5 0 0 6.15 1715.34
1356 0.5 0 0 6.15 1412.33
1357 0.5 0 0 5.9 3200
1358 0.5 0 0 9.49 771.44
1359 0.5 0 0 9.625 611.91
1360 0.5 0 0 6.9 2596.43
1361 0.5 0 0 10.525 254.45
1362 0.5 0 0 7.75 1990.86
1363 0.5 0 0 8.775 601.88
1364 0.5 0 0 6.15 1376.55
1365 0.5 0 0 5.55 2166.96
1366 0.5 0 0 8.775 742.04
1367 0.5 0 0 8.9 458.47
1368 0.5 0 0 9.49 999.59
1369 0.5 0 0 7.65 916.32
1370 0.5 0 0 8 2768.09
1371 0.5 0 0 6.75 2229.37
1372 0.5 0 0 6 1278.33
1373 0.5 0 0 9.75 430.13
1374 0.5 0 0 10.49 352.09
1375 0.5 0 0 9 522.18
1376 0.5 0 0 6.49 1052.78
1377 0.5 0 0 10.525 287.99
1378 0.5 0 0 10.525 293.71
1379 0.5 0 0 6.95 1008.23
1380 0.5 0 0 7.49 5498.01
1381 0.5 0 0 8.775 395.76
1382 0.5 0 0 6.15 693.33
1383 0.5 0 0 9.775 242.45
1384 0.5 0 0 8.775 334.75
1385 0.5 0 0 8.49 577.21
1386 0.5 0 0 6.2 1072
1387 0.5 0 0 9.49 644.48
1388 0.5 0 0 9.75 376.37
1389 0.5 0 0 9.25 927.89
1390 0.5 0 0 5.7 3380.83
1391 0.5 0 0 7.35 759.51
1392 0.5 0 0 10.75 825.58
1393 0.5 0 0 10.025 1264.93
1394 0.5 0 0 6.7 923.16
1395 0.5 0 0 6.49 1568.53
1396 0.5 0 0 11.49 239.91
1397 0.5 0 0 6.05 1789.9
1398 0.5 0 0 9.49 718.83
1399 0.5 0 0 8.9 491.81
1400 0.5 0 0 10.49 504.34
1401 0.5 0 0 6.4 1225
1402 0.5 0 0 10.875 349.16
1403 0.5 0 0 10.9 269.26
1404 0.5 0 0 8.8 919.68
1405 0.5 0 0 7.75 2704.56
1406 0.5 0 0 10.25 438.74
1407 0.5 0 0 6 992.35
1408 0.5 0 0 7.3 836.85
1409 0.5 0 0 7.15 1206.18
1410 0.5 0 0 6.85 771.65
1411 0.5 0 0 5.3 966.67
1412 0.5 0 0 10.875 460.96
1413 0.5 0 0 10.25 651.57
1414 0.5 0 0 11.375 853.93
1415 0.5 0 0 8.25 5641.28
1416 0.5 0 0 7.55 1770.89
1417 0.5 0 0 11.75 202.89
1418 0.5 0 0 7.15 1960.04
1419 0.5 0 0 6.35 1309.21
1420 0.5 0 0 7 1868.31
1421 0.5 0 0 7.35 4745.08
1422 0.5 0 0 6.65 2904.25
1423 0.5 0 0 8.3 764.99
1424 0.5 0 0 6.75 1667.5
1425 0.5 0 0 9.15 558.79
1426 0.5 0 0 7.05 1396.5
1427 0.5 0 0 6.25 3372.72
1428 0.5 0 0 9.75 1317.27
1429 0.5 0 0 10.875 920.36
1430 0.5 0 0 9.475 947.1
1431 0.5 0 0 7.3 1644.5
1432 0.5 0 0 8.1 1877.95
1433 0.5 0 0 7.4 1273.37
1434 0.5 0 0 10.875 561
1435 0.5 0 0 9.625 691.73
1436 0.5 0 0 5.9 2201.79
1437 0.5 0 0 6.8 1014.65
1438 0.5 0 0 6.65 1296.79
1439 0.5 0 0 10.9 430.41
1440 0.5 0 0 10.275 184.66
1441 0.5 0 0 6.6 2662.5
1442 0.5 0 0 5.9 1792
1443 0.5 0 0 9.475 875.73
1444 0.5 0 0 7.7 1383.35
1445 0.5 0 0 6.99 4929.99
1446 0.5 0 0 10.525 801.54
1447 0.5 0 0 6.4 3210.68
1448 0.5 0 0 7.05 1036.87
1449 0.5 0 0 7.3 5183.07
1450 0.5 0 0 5.75 1847.16
1451 0.5 0 0 6.8 661.87
1452 0.5 0 0 9.475 691.83
1453 0.5 0 0 7.4 1305.35
1454 0.5 0 0 9.625 403.07
1455 0.5 0 0 10.875 1059.23
1456 0.5 0 0 9.475 1033.36
1457 0.5 0 0 6.95 2456.16
1458 0.5 0 0 9.625 681.08
1459 0.5 0 0 7.85 758.31
1460 0.5 0 0 6.65 905.19
1461 0.5 0 0 9.625 673.99
1462 0.5 0 0 6.4 1580.65
1463 0.5 0 0 10.775 467.12
1464 0.5 0 0 8.9 316.59
1465 0.5 0 0 9.75 1218.7
1466 0.5 0 0 6.65 1161.16
1467 0.5 0 0 10.025 559.14
1468 0.5 0 0 10.775 505.85
1469 0.5 0 0 6.5 2692.67
1470 0.5 0 0 7.8 2830.45
1471 0.5 0 0 5.85 2024.06
1472 0.5 0 0 6.65 1680.42
1473 0.5 0 0 10.7 2025.44
1474 0.5 0 0 9.4 1985.78
1475 0.5 0 0 7.95 574.03
1476 0.5 0 0 9.475 688.32
1477 0.5 0 0 6.9 1439.6
1478 0.5 0 0 10.875 470.77
1479 0.5 0 0 11.75 165.21
1480 0.5 0 0 11.75 97.83
1481 0.5 0 0 11.49 197.93
1482 0.5 0 0 8.9 226.74
1483 0.5 0 0 9.625 708.58
1484 0.5 0 0 10.875 1024.9
1485 0.5 0 0 5.65 3136.5
1486 0.5 0 0 8.4 729.66
1487 0.5 0 0 7.2 1083.7
1488 0.5 0 0 9.15 1401.25
1489 0.5 0 0 6.4 1219
1490 0.5 0 0 6.35 2227.89
1491 0.5 0 0 11.25 847.91
1492 0.5 0 0 6.95 1415.5
1493 0.5 0 0 9.475 1010.59
1494 0.5 0 0 9.45 1730.29
1495 0.5 0 0 6.2 2735.83
1496 0.5 0 0 7.7 1405.78
1497 0.5 0 0 7.05 1032.89
1498 0.5 0 0 6.95 1948.23
1499 0.5 0 0 7.2 3368.74
1500 0.5 0 0 10.875 755.19
1501 0.5 0 0 8.49 723.52
1502 0.5 0 0 9.75 2883.21
1503 0.5 0 0 9.475 842.45
1504 0.5 0 0 7 2167.57
1505 0.5 0 0 7.05 5269.82
1506 0.5 0 0 10.875 788.54
1507 0.5 0 0 9.475 866.97
1508 0.5 0 0 10.025 774.87
1509 0.5 0 0 6.35 4420.84
1510 0.5 0 0 6.5 665.31
1511 0.5 0 0 9.625 1152.87
1512 0.5 0 0 7.05 629.17
1513 0.5 0 0 7.7 1335.92
1514 0.5 0 0 7.2 1960.65
1515 0.5 0 0 6.85 1589.81
1516 0.5 0 0 10.025 229.16
1517 0.5 0 0 6.1 2235.31
1518 0.5 0 0 7.15 2887.73
1519 0.5 0 0 10.025 241.07
1520 0.5 0 0 6.49 2047.07
1521 0.5 0 0 10.525 238.56
1522 0.5 0 0 6.1 1737.16
1523 0.5 0 0 10.025 348.32
1524 0.5 0 0 9.475 1096.41
1525 0.5 0 0 9.475 1260.59
1526 0.5 0 0 5.5 911.32
1527 0.5 0 0 6.9 2143.06
1528 0.5 0 0 10.875 715.96
1529 0.5 0 0 10.875 892.5
1530 0.5 0 0 11.75 94.93
1531 0.5 0 0 10.875 763.04
1532 0.5 0 0 6.45 828.76
1533 0.5 0 0 8.775 258.07
1534 0.5 0 0 7.7 2093.71
1535 0.5 0 0 7.49 733.07
1536 0.5 0 0 6.4 1185.49
1537 0.5 0 0 9.625 416.63
1538 0.5 0 0 6.49 1415.67
1539 0.5 0 0 11.75 313.2
1540 0.5 0 0 10.525 254.95
1541 0.5 0 0 7.55 954.75
1542 0.5 0 0 6.8 2989.09
1543 0.5 0 0 9.475 227.69
1544 0.5 0 0 10.525 738.37
1545 0.5 0 0 10.875 1029.81
1546 0.5 0 0 7.4 755.3
1547 0.5 0 0 8.625 309.19
1548 0.5 0 0 8.25 1115.15
1549 0.5 0 0 9.625 266.24
1550 0.5 0 0 7.25 1719.39
1551 0.5 0 0 7.4 3234.47
1552 0.5 0 0 5.4 912.53
1553 0.5 0 0 7 5244.11
1554 0.5 0 0 8.05 3367.93
1555 0.5 0 0 10.025 571.97
1556 0.5 0 0 6.15 2628.67
1557 0.5 0 0 7.2 1597.04
1558 0.5 0 0 7.5 1207.05
1559 0.5 0 0 7 1214.74
1560 0.5 0 0 10.875 765
1561 0.5 0 0 6.6 1424.71
1562 0.5 0 0 10.525 247.91
1563 0.5 0 0 8.3 1292.76
1564 0.5 0 0 5.7 1528.73
1565 0.5 0 0 10.875 763.04
1566 0.5 0 0 10.025 513.31
1567 0.5 0 0 8.9 405.04
1568 0.5 0 0 7.35 1866.21
1569 0.5 0 0 7.85 3791.55
1570 0.5 0 0 9.475 648.04
1571 0.5 0 0 10.525 976.81
1572 0.5 0 0 7.49 2235.86
1573 0.5 0 0 6.45 609
1574 0.5 0 0 10.55 1397.83
1575 0.5 0 0 9.475 277.23
1576 0.5 0 0 7.35 2808.15
1577 0.5 0 0 11.75 115.94
1578 0.5 0 0 7.85 1516.62
1579 0.5 0 0 8.49 1205.86
1580 0.5 0 0 5.49 1661.97
1581 0.5 0 0 9.625 789.28
1582 0.5 0 0 5.7 2376.38
1583 0.5 0 0 6.3 1960.47
1584 0.5 0 0 9.2 431.17
1585 0.5 0 0 11.75 221.01
1586 0.5 0 0 6.35 2352.39
1587 0.5 0 0 5.85 970.69
1588 0.5 0 0 7.4 2337.41
1589 0.5 0 0 7.1 1683.99
1590 0.5 0 0 6.55 2393.82
1591 0.5 0 0 8.2 2740.97
1592 0.5 0 0 12.25 444.59
1593 0.5 0 0 7.49 601.12
1594 0.5 0 0 10.025 512.39
1595 0.5 0 0 6.3 996.15
1596 0.5 0 0 6.45 2171.19
1597 0.5 0 0 7.35 810.14
1598 0.5 0 0 10.875 763.04
1599 0.5 0 0 9.475 1129.69
1600 0.5 0 0 9.15 928.49
1601 0.5 0 0 9.75 483.9
1602 0.5 0 0 10.525 696.58
1603 0.5 0 0 6.05 1420.67
1604 0.5 0 0 10.875 735.58
1605 0.5 0 0 6.49 2179.99
1606 0.5 0 0 9.75 528.7
1607 0.5 0 0 10.025 350.15
1608 0.5 0 0 9.475 313.34
1609 0.5 0 0 9.475 827.56
1610 0.5 0 0 6 2556.67
1611 0.5 0 0 8.15 1555.25
1612 0.5 0 0 6.175 1070.02
1613 0.5 0 0 7.85 1858.61
1614 0.5 0 0 6.375 1224.61
1615 0.5 0 0 5.75 1470.83
1616 0.5 0 0 9.375 613.05
1617 0.5 0 0 6.75 3141.67
1618 0.5 0 0 5.25 2625.83
1619 0.5 0 0 5.25 2602.73
1620 0.5 0 0 5 963.04
1621 0.5 0 0 7.49 967.05
1622 0.5 0 0 5.99 1049.72
1623 0.5 0 0 7 2093.75
1624 0.5 0 0 5.9 576.72
1625 0.5 0 0 7.45 869.04
1626 0.5 0 0 5.75 2177.08
1627 0.5 0 0 7.875 1702.56
1628 0.5 0 0 6.15 986.42
1629 0.5 0 0 7.1 1359.2
1630 0.5 0 0 6.2 582.97
1631 0.5 0 0 10.025 268.99
1632 0.5 0 0 6.3 4667.27
1633 0.5 0 0 7.3 971.83
1634 0.5 0 0 6.45 863.19
1635 0.5 0 0 8.4 2974.45
1636 0.5 0 0 10.025 298.82
1637 0.5 0 0 8.9 233.4
1638 0.5 0 0 6.45 1042.57
1639 0.5 0 0 7.35 607.61
1640 0.5 0 0 10.875 647.31
1641 0.5 0 0 11.75 71.77
1642 0.5 0 0 6.65 1141.44
1643 0.5 0 0 10.65 1204.6
1644 0.5 0 0 6.75 1773.66
1645 0.5 0 0 7.4 1279.18
1646 0.5 0 0 7.1 1266.67
1647 0.5 0 0 6.49 996.95
1648 0.5 0 0 9.49 328.82
1649 0.5 0 0 5.25 402.5
1650 0.5 0 0 5.45 811.03
1651 0.5 0 0 7.9 1569.39
1652 0.5 0 0 7.75 769.3
1653 0.5 0 0 8.4 657.89
1654 0.5 0 0 6.65 715
1655 0.5 0 0 6.65 864.53
1656 0.5 0 0 10.375 301.73
1657 0.5 0 0 5.39 1693.38
1658 0.5 0 0 7.65 467.27
1659 0.5 0 0 7.95 727.87
1660 0.5 0 0 5.85 1400.04
1661 0.5 0 0 5.85 1182.25
1662 0.5 0 0 6.5 1663.26
1663 0.5 0 0 10.49 184.6
1664 0.5 0 0 5.75 1526.98
1665 0.5 0 0 7.75 1408.63
1666 0.5 0 0 7.6 1173.35
1667 0.5 0 0 6.84 1156.33
1668 0.5 0 0 9.55 559.17
1669 0.5 0 0 9.375 1189.64
1670 0.5 0 0 6 2515.64
1671 0.5 0 0 10.375 839.18
1672 0.5 0 0 6.6 657.93
1673 0.5 0 0 5.65 1632.74
1674 0.5 0 0 10.3 627.96
1675 0.5 0 0 6.15 4814.74
1676 0.5 0 0 7.25 1289.55
1677 0.5 0 0 5.75 2238.75
1678 0.5 0 0 5.4 1781.8
1679 0.5 0 0 8.25 712.76
1680 0.5 0 0 6.45 842
1681 0.5 0 0 10.9 709.15
1682 0.5 0 0 6.05 871.72
1683 0.5 0 0 9.75 307.37
1684 0.5 0 0 7.65 595.4
1685 0.5 0 0 6.42 3774.85
1686 0.5 0 0 9.525 1257.57
1687 0.5 0 0 7.05 1101.75
1688 0.5 0 0 10.49 373.02
1689 0.5 0 0 6.74 1008.62
1690 0.5 0 0 11.49 223.72
1691 0.5 0 0 5.85 858.69
1692 0.5 0 0 7.05 760.26
1693 0.5 0 0 6.65 2539.53
1694 0.5 0 0 6.45 899.72
1695 0.5 0 0 6.3 3264
1696 0.5 0 0 11.75 136.95
1697 0.5 0 0 5.49 1712.88
1698 0.5 0 0 6.1 1711.61
1699 0.5 0 0 10.2 1317.43
1700 0.5 0 0 9.49 455.96
1701 0.5 0 0 6.3 1316.89
1702 0.5 0 0 6 2613
1703 0.5 0 0 6.49 1395.73
1704 0.5 0 0 10.525 339.7
1705 0.5 0 0 9.5 1058.36
1706 0.5 0 0 7.45 1314.51
1707 0.5 0 0 8.05 2054.75
1708 0.5 0 0 7.49 937.66
1709 0.5 0 0 5.35 764.57
1710 0.5 0 0 5.05 877.81
1711 0.5 0 0 7.05 3929.18
1712 0.5 0 0 5.65 3090.01
1713 0.5 0 0 5.05 1491.1
1714 0.5 0 0 10.7 1847.87
1715 0.5 0 0 9.99 123.74
1716 0.5 0 0 8.49 332.82
1717 0.5 0 0 5.49 1467.33
1718 0.5 0 0 7.15 1383.56
1719 0.5 0 0 7.75 5349.02
1720 0.5 0 0 6.05 800.56
1721 0.5 0 0 8.7 2555.46
1722 0.5 0 0 6.45 2224.15
1723 0.5 0 0 6.9 623.15
1724 0.5 0 0 6.25 2094.98
1725 0.5 0 0 8 2806.54
1726 0.5 0 0 6.49 1195.68
1727 0.5 0 0 5.99 2045.78
1728 0.5 0 0 9.75 752.73
1729 0.5 0 0 6.49 2339.51
1730 0.5 0 0 6.45 767.86
1731 0.5 0 0 7 1762.03
1732 0.5 0 0 5.7 3184.84
1733 0.5 0 0 6.75 856.27
1734 0.5 0 0 8.4 1690.57
1735 0.5 0 0 4.95 2032.77
1736 0.5 0 0 5.9 4178.38
1737 0.5 0 0 9.25 1434.79
1738 0.5 0 0 5.29 1775.6
1739 0.5 0 0 9.475 968.78
1740 0.5 0 0 7.95 612.3
1741 0.5 0 0 7.35 2987.38
1742 0.5 0 0 7.64 1635.81
1743 0.5 0 0 6.7 1194.67
1744 0.5 0 0 5.45 2538.67
1745 0.5 0 0 6.2 1063.42
1746 0.5 0 0 8.49 783.81
1747 0.5 0 0 6.75 1418.93
1748 0.5 0 0 10.275 486.39
1749 0.5 0 0 8.775 1055.35
1750 0.5 0 0 7.55 1304.94
1751 0.5 0 0 10.9 131.29
1752 0.5 0 0 8.49 739.6
1753 0.5 0 0 7.2 1140.74
1754 0.5 0 0 6.4 1459.46
1755 0.5 0 0 7.15 1032.75
1756 0.5 0 0 6.8 2303.52
1757 0.5 0 0 8.4 1794.24
1758 0.5 0 0 5 672.27
1759 0.5 0 0 10.4 359.02
1760 0.5 0 0 6.8 1261.75
1761 0.5 0 0 7.05 1110.18
1762 0.5 0 0 8.49 237.96
1763 0.5 0 0 7.75 1607.72
1764 0.5 0 0 6.4 1185.49
1765 0.5 0 0 7.05 3091.63
1766 0.5 0 0 9.49 452.45
1767 0.5 0 0 9.25 823.07
1768 0.5 0 0 10.45 297.66
1769 0.5 0 0 6.7 4848.13
1770 0.5 0 0 6.4 1862.2
1771 0.5 0 0 8.775 339.69
1772 0.5 0 0 6.75 1036.91
1773 0.5 0 0 5.675 1708.42
1774 0.5 0 0 6.6 1693.53
1775 0.5 0 0 9.49 789.15
1776 0.5 0 0 6 768.6
1777 0.5 0 0 9.75 313.64
1778 0.5 0 0 7.65 1547.45
1779 0.5 0 0 10.9 510.8
1780 0.5 0 0 5.9 1344.84
1781 0.5 0 0 9.99 1051.1
1782 0.5 0 0 8.45 1289.66
1783 0.5 0 0 7.1 1115.6
1784 0.5 0 0 6.55 1139.41
1785 0.5 0 0 5.375 709.85
1786 0.5 0 0 10 1006.22
1787 0.5 0 0 7.35 1446.67
1788 0.5 0 0 6.9 484.67
1789 0.5 0 0 7.4 1208.32
1790 0.5 0 0 6 1939.19
1791 0.5 0 0 7.45 2738.56
1792 0.5 0 0 5.7 532.82
1793 0.5 0 0 10.025 703.04
1794 0.5 0 0 6.85 3746.29
1795 0.5 0 0 10.49 405.37
1796 0.5 0 0 8.75 205.67
1797 0.5 0 0 10.25 517.15
1798 0.5 0 0 7.7 884.3
1799 0.5 0 0 8 1626.26
1800 0.5 0 0 9.49 317.42
1801 0.5 0 0 6.55 695.42
1802 0.5 0 0 5 2530
1803 0.5 0 0 6.1 1012
1804 0.5 0 0 6.9 2082.68
1805 0.5 0 0 7.17 3385.63
1806 0.5 0 0 8.375 350.09
1807 0.5 0 0 9.49 468.23
1808 0.5 0 0 9.75 270.63
1809 0.5 0 0 10.75 164.22
1810 0.5 0 0 11.75 234.14
1811 0.5 0 0 6.2 2546
1812 0.5 0 0 8.9 216.73
1813 0.5 0 0 7.15 1241.66
1814 0.5 0 0 11.75 202.89
1815 0.5 0 0 10.49 715.58
1816 0.5 0 0 9.35 576.23
1817 0.5 0 0 9.15 846.62
1818 0.5 0 0 6.49 1039.49
1819 0.5 0 0 11.125 789.88
1820 0.5 0 0 8.75 424.51
1821 0.5 0 0 8.65 288.67
1822 0.5 0 0 6.75 2646.85
1823 0.5 0 0 5.6 837.98
1824 0.5 0 0 9.75 232.99
1825 0.5 0 0 9.4 640.47
1826 0.5 0 0 6.4 987.91
1827 0.5 0 0 6.45 526.92
1828 0.5 0 0 6.55 1212.6
1829 0.5 0 0 6.4 1310.2
1830 0.5 0 0 9.65 441.98
1831 0.5 0 0 5.5 1840
1832 0.5 0 0 7.05 2283.11
1833 0.5 0 0 10.95 2725.15
1834 0.5 0 0 6.05 1000.7
1835 0.5 0 0 6.75 1214.28
1836 0.5 0 0 6.7 2111.52
1837 0.5 0 0 5.95 1257.57
1838 0.5 0 0 7.49 1528.04
1839 0.5 0 0 7.6 2328.75
1840 0.5 0 0 8 1307.16
1841 0.5 0 0 10.875 629.47
1842 0.5 0 0 5.525 1082.09
1843 0.5 0 0 6 1708.15
1844 0.5 0 0 6 2679.97
1845 0.5 0 0 6.1 1247.31
1846 0.5 0 0 6.2 1608
1847 0.5 0 0 8.375 843.39
1848 0.5 0 0 6.65 3697.86
1849 0.5 0 0 7.49 1550.08
1850 0.5 0 0 5.85 615.05
1851 0.5 0 0 7 3076.55
1852 0.5 0 0 8.49 253.23
1853 0.5 0 0 6.49 1936.81
1854 0.5 0 0 6.25 4045.5
1855 0.5 0 0 6.49 1669.56
1856 0.5 0 0 9 1009.03
1857 0.5 0 0 9.4 2119.18
1858 0.5 0 0 8.8 1074.2
1859 0.5 0 0 9.49 596.25
1860 0.5 0 0 6.4 3036
1861 0.5 0 0 8.525 580.63
1862 0.5 0 0 5.99 2098.43
1863 0.5 0 0 6.25 3735
1864 0.5 0 0 10.15 768.56
1865 0.5 0 0 6.1 1364
1866 0.5 0 0 10.15 333.36
1867 0.5 0 0 6.99 3143.39
1868 0.5 0 0 6.49 1936.6
1869 0.5 0 0 6.75 1266.56
1870 0.5 0 0 6.49 4147.4
1871 0.5 0 0 7.75 3541.49
1872 0.5 0 0 12 156.77
1873 0.5 0 0 10.15 1664.9
1874 0.5 0 0 5.7 1818.67
1875 0.5 0 0 9.75 481.48
1876 0.5 0 0 8.25 708.04
1877 0.5 0 0 6.05 2236.47
1878 0.5 0 0 10.49 774.58
1879 0.5 0 0 9.475 490.41
1880 0.5 0 0 5.5 1692
1881 0.5 0 0 5.45 2439.5
1882 0.5 0 0 9.475 849.46
1883 0.5 0 0 10.52 476.73
1884 0.5 0 0 7.05 3208.75
1885 0.5 0 0 10.025 775.46
1886 0.5 0 0 10.875 431.54
1887 0.5 0 0 8.9 958.61
1888 0.5 0 0 6.45 847.3
1889 0.5 0 0 5.8 1239
1890 0.5 0 0 7.6 2874.11
1891 0.5 0 0 6.99 4191.18
1892 0.5 0 0 10.625 730.77
1893 0.5 0 0 11.125 569.91
1894 0.5 0 0 9.75 698.96
1895 0.5 0 0 9.625 579.99
1896 0.5 0 0 9.75 971.38
1897 0.5 0 0 9.75 967.79
1898 0.5 0 0 6.4 2476.34
1899 0.5 0 0 9.475 528.29
1900 0.5 0 0 6.25 1255.04
1901 0.5 0 0 9 706.32
1902 0.5 0 0 7.2 4243.02
1903 0.5 0 0 7.1 1976
1904 0.5 0 0 11.25 787.34
1905 0.5 0 0 7.25 1439.99
1906 0.5 0 0 5.5 1386.17
1907 0.5 0 0 6.49 903.9
1908 0.5 0 0 7 699.22
1909 0.5 0 0 5.75 2142.7
1910 0.5 0 0 10 1033.57
1911 0.5 0 0 8.9 725.21
1912 0.5 0 0 8.1 970.02
1913 0.5 0 0 7.1 458.95
1914 0.5 0 0 11.025 982.28
1915 0.5 0 0 6.85 1350.39
1916 0.5 0 0 8.31 1328.87
1917 0.5 0 0 8.1 954.5
1918 0.5 0 0 8.65 978.25
1919 0.5 0 0 10.25 718.79
1920 0.5 0 0 6.8 1299.85
1921 0.5 0 0 8.49 2049.96
1922 0.5 0 0 10.75 460.38
1923 0.5 0 0 9 840.86
1924 0.5 0 0 6.95 2671.85
1925 0.5 0 0 7.15 1697.16
1926 0.5 0 0 6.4 2943.95
1927 0.5 0 0 11.49 356.44
1928 0.5 0 0 5.6 2739.1
1929 0.5 0 0 8.475 298.18
1930 0.5 0 0 8.65 1855.13
1931 0.5 0 0 6.49 1143.17
1932 0.5 0 0 6.9 2541.04
1933 0.5 0 0 6.3 2314.34
1934 0.5 0 0 5.35 1591.2
1935 0.5 0 0 5.49 3258.06
1936 0.5 0 0 6.05 1728.18
1937 0.5 0 0 5.1 2502.99
1938 0.5 0 0 9.49 194.93
1939 0.5 0 0 5.2 1509.05
1940 0.5 0 0 9.25 584.23
1941 0.5 0 0 8.4 612.44
1942 0.5 0 0 6.6 1975.78
1943 0.5 0 0 7 1594.21
1944 0.5 0 0 5.49 1930.53
1945 0.5 0 0 5.35 1287
1946 0.5 0 0 7.3 1305.13
1947 0.5 0 0 7.9 463.2
1948 0.5 0 0 5.25 1607.17
1949 0.5 0 0 11.15 283.84
1950 0.5 0 0 11.15 1901.33
1951 0.5 0 0 6.95 3061.5
1952 0.5 0 0 8.625 612.61
1953 0.5 0 0 7.6 2322.99
1954 0.5 0 0 8.9 433.46
1955 0.5 0 0 6.45 979.69
1956 0.5 0 0 6.1 1174.82
1957 0.5 0 0 6.1 707.64
1958 0.5 0 0 6.125 990.99
1959 0.5 0 0 10.75 439.02
1960 0.5 0 0 9.475 919.52
1961 0.5 0 0 5.6 2333.25
1962 0.5 0 0 7.7 2211.2
1963 0.5 0 0 7.2 1261.94
1964 0.5 0 0 5.55 2802.88
1965 0.5 0 0 6.15 1884.17
1966 0.5 0 0 6.95 1077.65
1967 0.5 0 0 8.775 691.35
1968 0.5 0 0 8.625 225.38
1969 0.5 0 0 6.9 986.67
1970 0.5 0 0 10.49 263.64
1971 0.5 0 0 7.75 811.37
1972 0.5 0 0 6.85 1343.5
1973 0.5 0 0 6.25 1440
1974 0.5 0 0 6.09 1337.25
1975 0.5 0 0 5.95 1223.62
1976 0.5 0 0 5.49 2096.5
1977 0.5 0 0 6.3 2674.67
1978 0.5 0 0 8.9 803.98
1979 0.5 0 0 7.15 4824.7
1980 0.5 0 0 7.75 2464.16
1981 0.5 0 0 7.25 2521.78
1982 0.5 0 0 5.49 2567.71
1983 0.5 0 0 10 1551.18
1984 0.5 0 0 6.25 3015
1985 0.5 0 0 9.49 459.47
1986 0.5 0 0 6.49 2609.6
1987 0.5 0 0 6.45 1073.42
1988 0.5 0 0 5.8 631.36
1989 0.5 0 0 8.775 700.82
1990 0.5 0 0 6.49 2100.24
1991 0.5 0 0 9.49 990.83
1992 0.5 0 0 5.75 1180.7
1993 0.5 0 0 6.5 2218.51
1994 0.5 0 0 10.49 631.38
1995 0.5 0 0 6.22 2688
1996 0.5 0 0 6.49 2213.5
1997 0.5 0 0 10.025 354.92
1998 0.5 0 0 9.375 946.51
1999 0.5 0 0 7.1 889.66
2000 0.5 0 0 9.49 1034.67
2001 0.5 0 0 6.49 1957.2
2002 0.5 0 0 7.85 1099.55
2003 0.5 0 0 10 951.33
2004 0.5 0 0 7.15 2625.21
2005 0.5 0 0 8.7 392.66
2006 0.5 0 0 7.6 570.38
2007 0.5 0 0 6.15 1579.37
2008 0.5 0 0 5.85 1115.05
2009 0.5 0 0 6.3 1877.55
2010 0.5 0 0 9.49 920.68
2011 0.5 0 0 5.7 3307.34
2012 0.5 0 0 7.8 558.55
2013 0.5 0 0 7.3 1929.26
2014 0.5 0 0 8.49 900.38
2015 0.5 0 0 8.2 2991.57
2016 0.5 0 0 10.49 3330.49
2017 0.5 0 0 7.1 2335.7
2018 0.5 0 0 10.49 669.91
2019 0.5 0 0 11.75 139.13
2020 0.5 0 0 6.2 2153.15
2021 0.5 0 0 5.85 2023.53
2022 0.5 0 0 6.49 1541.95
2023 0.5 0 0 6.35 1523.48
2024 0.5 0 0 7.6 611.12
2025 0.5 0 0 10.275 514.45
2026 0.5 0 0 8 1261.02
2027 0.5 0 0 5.75 2833.33
2028 0.5 0 0 6.5 2288.65
2029 0.5 0 0 6.15 980.88
2030 0.5 0 0 8.2 2881.93
2031 0.5 0 0 7.25 3211.08
2032 0.5 0 0 7.35 600.37
2033 0.5 0 0 11.375 1110.72
2034 0.5 0 0 6.55 4653.91
2035 0.5 0 0 10.025 230.25
2036 0.5 0 0 7.09 1953.65
2037 0.5 0 0 5.2 1292
2038 0.5 0 0 6.75 1185.9
2039 0.5 0 0 6.3 3194.44
2040 0.5 0 0 9.5 1007.02
2041 0.5 0 0 8.05 463.48
2042 0.5 0 0 6.54 1924.27
2043 0.5 0 0 5.75 1714.78
2044 0.5 0 0 6.35 618.57
2045 0.5 0 0 8.55 727.41
2046 0.5 0 0 8.8 991.57
2047 0.5 0 0 8.55 1163.85
2048 0.5 0 0 6.2 1187.32
2049 0.5 0 0 6.35 1233.93
2050 0.5 0 0 6.49 1914.14
2051 0.5 0 0 8.9 383.45
2052 0.5 0 0 5.45 1903.52
2053 0.5 0 0 8.775 657.95
2054 0.5 0 0 6.7 1379.3
2055 0.5 0 0 9.15 1192.55
2056 0.5 0 0 6.55 1545.96
2057 0.5 0 0 9.3 1358.96
2058 0.5 0 0 8.2 822.29
2059 0.5 0 0 5.35 754.66
2060 0.5 0 0 7.1 939.93
2061 0.5 0 0 6.35 878.05
2062 0.5 0 0 7.35 1316.47
2063 0.5 0 0 10.9 874.58
2064 0.5 0 0 7.4 1551.88
2065 0.5 0 0 8.65 1206.2
2066 0.5 0 0 8.15 826.35
2067 0.5 0 0 7.4 3197.95
2068 0.5 0 0 6.1 6233.32
2069 0.5 0 0 6.49 1770.58
2070 0.5 0 0 8.9 481.81
2071 0.5 0 0 7.25 716.42
2072 0.5 0 0 6.95 734.76
2073 0.5 0 0 9.625 1365.71
2074 0.5 0 0 6.45 1207.4
2075 0.5 0 0 6.65 1566.95
2076 0.5 0 0 8.15 1251.6
2077 0.5 0 0 6.3 678.01
2078 0.5 0 0 7.1 1224.34
2079 0.5 0 0 10.525 248.1
2080 0.5 0 0 5.35 1557.45
2081 0.5 0 0 8.05 444.17
2082 0.5 0 0 6.55 761.4
2083 0.5 0 0 7 1221.88
2084 0.5 0 0 8.1 1707.23
2085 0.5 0 0 6.6 1139.77
2086 0.5 0 0 5.49 958.26
2087 0.5 0 0 9.35 1516.39
2088 0.5 0 0 10.525 273.17
2089 0.5 0 0 6.9 781.01
2090 0.5 0 0 6.6 1774.17
2091 0.5 0 0 7.9 1066.58
2092 0.5 0 0 6.65 1296.79
2093 0.5 0 0 6.3 1590.7
2094 0.5 0 0 8.9 508.48
2095 0.5 0 0 9.675 288.54
2096 0.5 0 0 8.9 356.36
2097 0.5 0 0 5.9 1391.13
2098 0.5 0 0 7.4 639.59
2099 0.5 0 0 6.55 2006
2100 0.5 0 0 6.9 2077.14
2101 0.5 0 0 8.775 246.46
2102 0.5 0 0 8.4 474
2103 0.5 0 0 7.65 1780.25
2104 0.5 0 0 10.9 172.65
2105 0.5 0 0 9.95 3700.96
2106 0.5 0 0 6.9 4599.53
2107 0.5 0 0 8.15 1387.64
2108 0.5 0 0 5.35 760.5
2109 0.5 0 0 8.5 925.32
2110 0.5 0 0 10.5 1238.03
2111 0.5 0 0 6.1 830.26
2112 0.5 0 0 6.89 805.95
2113 0.5 0 0 9.475 376.57
2114 0.5 0 0 8.05 1297.74
2115 0.5 0 0 10.875 568.85
2116 0.5 0 0 8.775 478.21
2117 0.5 0 0 6.65 1080.66
2118 0.5 0 0 7.49 733.07
2119 0.5 0 0 12.75 226.19
2120 0.5 0 0 10.3 374.9
2121 0.5 0 0 6.49 2126.82
2122 0.5 0 0 7.45 2512.17
2123 0.5 0 0 6.49 2516.4
2124 0.5 0 0 9.725 965.79
2125 0.5 0 0 12 249.59
2126 0.5 0 0 9.4 722.26
2127 0.5 0 0 9.475 396.27
2128 0.5 0 0 7.6 1412.69
2129 0.5 0 0 7.09 2821.56
2130 0.5 0 0 9.525 703.54
2131 0.5 0 0 8.55 1449.88
2132 0.5 0 0 9.475 445.57
2133 0.5 0 0 7.75 3155.32
2134 0.5 0 0 7.9 1371.31
2135 0.5 0 0 9.625 849.58
2136 0.5 0 0 9.375 781.52
2137 0.5 0 0 10.525 687.8
2138 0.5 0 0 9.475 758.38
2139 0.5 0 0 8.55 945.63
2140 0.5 0 0 10.525 243.71
2141 0.5 0 0 9.7 1838.32
2142 0.5 0 0 5.2 2089.45
2143 0.5 0 0 6.65 1945.18
2144 0.5 0 0 9.475 587.18
2145 0.5 0 0 7.55 412.87
2146 0.5 0 0 9.75 653.26
2147 0.5 0 0 10.875 737.44
2148 0.5 0 0 9.475 873.98
2149 0.5 0 0 8.05 3941.48
2150 0.5 0 0 5.85 1642.71
2151 0.5 0 0 9.475 534.2
2152 0.5 0 0 6.35 1074.63
2153 0.5 0 0 6.05 2541.44
2154 0.5 0 0 9.99 446.03
2155 0.5 0 0 6.3 1272.56
2156 0.5 0 0 7.55 1197.3
2157 0.5 0 0 6.85 1229.13
2158 0.5 0 0 6.35 1831.45
2159 0.5 0 0 11.375 1039.39
2160 0.5 0 0 11.75 249.35
2161 0.5 0 0 6.7 1944
2162 0.5 0 0 6.1 1047.41
2163 0.5 0 0 6.75 1036.91
2164 0.5 0 0 7.25 1862.68
2165 0.5 0 0 6 1786.81
2166 0.5 0 0 6.55 2241.37
2167 0.5 0 0 7.9 1622.72
2168 0.5 0 0 6.35 1310.52
2169 0.5 0 0 8.9 698.53
2170 0.5 0 0 10.525 391.23
2171 0.5 0 0 7.475 549.02
2172 0.5 0 0 7.55 448.25
2173 0.5 0 0 9.475 722.2
2174 0.5 0 0 6.1 1989.43
2175 0.5 0 0 6 1036.6
2176 0.5 0 0 8.45 1042.94
2177 0.5 0 0 9.4 704.86
2178 0.5 0 0 7.05 1152.34
2179 0.5 0 0 6.49 1807.8
2180 0.5 0 0 8.775 544.17
2181 0.5 0 0 6.05 2064.92
2182 0.5 0 0 9.1 2760.77
2183 0.5 0 0 11.49 908.62
2184 0.5 0 0 6.4 1238.17
2185 0.5 0 0 10.025 191.51
2186 0.5 0 0 7.55 1548.24
2187 0.5 0 0 8.25 1376.73
2188 0.5 0 0 6.2 1355.09
2189 0.5 0 0 7.9 942.78
2190 0.5 0 0 7.25 1624.25
2191 0.5 0 0 8.7 1450.55
2192 0.5 0 0 9.25 396.93
2193 0.5 0 0 11 702.12
2194 0.5 0 0 6.8 2022.44
2195 0.5 0 0 10 887.3
2196 0.5 0 0 6.25 3937.5
2197 0.5 0 0 6.49 757.02
2198 0.5 0 0 9 1471.5
2199 0.5 0 0 7.95 1481
2200 0.5 0 0 5 726.77
2201 0.5 0 0 6.1 1235.81
2202 0.5 0 0 6.15 914.16
2203 0.5 0 0 6.8 2056.72
2204 0.5 0 0 10.5 651.39
2205 0.5 0 0 8.49 273.17
2206 0.5 0 0 9 1209.15
2207 0.5 0 0 6.8 730
2208 0.5 0 0 6.75 886.83
2209 0.5 0 0 6.1 2654.83
2210 0.5 0 0 10.3 299.92
2211 0.5 0 0 8 4036.8
2212 0.5 0 0 6.1 726
2213 0.5 0 0 8.625 716
2214 0.5 0 0 5.85 1629.83
2215 0.5 0 0 10.25 1031.5
2216 0.5 0 0 6.45 2091.76
2217 0.5 0 0 7.275 4837.25
2218 0.5 0 0 7.45 1253.9
2219 0.5 0 0 5.95 1827.5
2220 0.5 0 0 6.38 2669.44
2221 0.5 0 0 6.499 1483.48
2222 0.5 0 0 6.75 1511.71
2223 0.5 0 0 6.95 2595.08
2224 0.5 0 0 10.2 702.88
2225 0.5 0 0 10.9 544.4
2226 0.5 0 0 8.25 2283.01
2227 0.5 0 0 6.75 5065.16
2228 0.5 0 0 6.05 569.29
2229 0.5 0 0 6.7 638.4
2230 0.5 0 0 6.3 1505.95
2231 0.5 0 0 6.5 638.7
2232 0.5 0 0 7.75 2253.8
2233 0.5 0 0 9.49 1959.72
2234 0.5 0 0 7.9 251.41
2235 0.5 0 0 6.75 1193.81
2236 0.5 0 0 8.05 1390.43
2237 0.5 0 0 8 756.62
2238 0.5 0 0 10.49 618.52
2239 0.5 0 0 5.95 1458.78
2240 0.5 0 0 5.9 830.68
2241 0.5 0 0 7 1258.59
2242 0.5 0 0 7.9 761.84
2243 0.5 0 0 6.3 1147.39
2244 0.5 0 0 6.5 686
2245 0.5 0 0 9.15 1703.65
2246 0.5 0 0 6.85 1344.88
2247 0.5 0 0 6.75 1331.61
2248 0.5 0 0 6 2326.02
2249 0.5 0 0 5.49 780.98
2250 0.5 0 0 5.49 1269.69
2251 0.5 0 0 8.3 418.85
2252 0.5 0 0 10 457.37
2253 0.5 0 0 10.99 177.08
2254 0.5 0 0 7.25 2908.64
2255 0.5 0 0 5.25 3454.76
2256 0.5 0 0 8.25 1164.32
2257 0.5 0 0 8.25 316.26
2258 0.5 0 0 10.49 261.28
2259 0.5 0 0 6.5 953.89
2260 0.5 0 0 7.25 474.99
2261 0.5 0 0 9 227.04
2262 0.5 0 0 5.39 981.67
2263 0.5 0 0 8.4 1020.73
2264 0.5 0 0 6.9 922.6
2265 0.5 0 0 9.1 225.81
2266 0.5 0 0 6.49 3589.01
2267 0.5 0 0 6.49 705.87
2268 0.5 0 0 9.49 232.81
2269 0.5 0 0 5.6 1522.26
2270 0.5 0 0 8.4 500.8
2271 0.5 0 0 7.8 528.35
2272 0.5 0 0 7.25 716.42
2273 0.5 0 0 8.25 1201.69
2274 0.5 0 0 11 240.65
2275 0.5 0 0 6.15 954.74
2276 0.5 0 0 6.35 1520.21
2277 0.5 0 0 9.45 485.88
2278 0.5 0 0 8.49 385.72
2279 0.5 0 0 10 530.55
2280 0.5 0 0 11 274.91
2281 0.5 0 0 5.89 1255.96
2282 0.5 0 0 6 859.62
2283 0.5 0 0 6.45 938.65
2284 0.5 0 0 5.95 1569.45
2285 0.5 0 0 6.7 596.8
2286 0.5 0 0 6.75 567.58
2287 0.5 0 0 6.3 2216.55
2288 0.5 0 0 6.9 537.29
2289 0.5 0 0 7.8 844.76
2290 0.5 0 0 7 844.66
2291 0.5 0 0 5.85 622.24
2292 0.5 0 0 9.9 865.54
2293 0.5 0 0 8.9 83.36
2294 0.5 0 0 11.49 197.2
2295 0.5 0 0 5.49 958.4
2296 0.5 0 0 5 4542.32
2297 0.5 0 0 9.25 549.86
2298 0.5 0 0 5.25 812.34
2299 0.5 0 0 8.25 2163.43
2300 0.5 0 0 6.15 1795.5
2301 0.5 0 0 11.15 258.87
2302 0.5 0 0 6.55 1471.07
2303 0.5 0 0 5.29 752.7
2304 0.5 0 0 8.4 497.61
2305 0.5 0 0 7.6 491.86
2306 0.5 0 0 7.15 806.01
2307 0.5 0 0 5.15 1107.84
2308 0.5 0 0 10.49 166.3
2309 0.5 0 0 6.8 1981.3
2310 0.5 0 0 10.875 557.08
2311 0.5 0 0 10.375 373.39
2312 0.5 0 0 6.9 697.92
2313 0.5 0 0 5.95 1571.96
2314 0.5 0 0 7.15 1191.99
2315 0.5 0 0 11.75 99.28
2316 0.5 0 0 7 690.83
2317 0.5 0 0 7.2 658.07
2318 0.5 0 0 7.25 618.99
2319 0.5 0 0 12 150.33
2320 0.5 0 0 6.85 727.56
2321 0.5 0 0 9.75 838.76
2322 0.5 0 0 9 221.99
2323 0.5 0 0 6.45 397.17
2324 0.5 0 0 10.49 231.74
2325 0.5 0 0 6.95 2508.17
2326 0.5 0 0 7.6 1185.2
2327 0.5 0 0 6.45 736.06
2328 0.5 0 0 8.1 2322.22
2329 0.5 0 0 7.375 2682.76
2330 0.5 0 0 7.125 990.91
2331 0.5 0 0 10.775 269.57
2332 0.5 0 0 10.4 3379.46
2333 0.5 0 0 9.05 780.33
2334 0.5 0 0 10.6 1241.62
2335 0.5 0 0 8.6 1130.07
2336 0.5 0 0 6.45 1811.09
2337 0.5 0 0 10.775 811.62
2338 0.5 0 0 10.025 333.65
2339 0.5 0 0 7.85 1941.27
2340 0.5 0 0 7.35 856.43
2341 0.5 0 0 7.15 1367.59
2342 0.5 0 0 5.75 4617.88
2343 0.5 0 0 6.55 5014.98
2344 0.5 0 0 7.99 5162.34
2345 0.5 0 0 7.3 3155.34
2346 0.5 0 0 8.05 1390.43
2347 0.5 0 0 6.65 2134.29
2348 0.5 0 0 10.49 751.74
2349 0.5 0 0 6.1 2784.56
2350 0.5 0 0 7.49 3133.58
2351 0.5 0 0 6.49 3848.38
2352 0.5 0 0 7.1 1179.15
2353 0.5 0 0 7.15 2140.72
2354 0.5 0 0 7.05 652.28
2355 0.5 0 0 11.525 849.17
2356 0.5 0 0 6.7 3001.98
2357 0.5 0 0 6.95 574.73
2358 0.5 0 0 7.95 1377.68
2359 0.5 0 0 7.3 1526.13
2360 0.5 0 0 6.9 667.46
2361 0.5 0 0 6.2 1943.4
2362 0.5 0 0 6.6 1349
2363 0.5 0 0 7.35 5121.22
2364 0.5 0 0 9.625 451.22
2365 0.5 0 0 6.9 702.77
2366 0.5 0 0 10.525 505.74
2367 0.5 0 0 9.15 2057.15
2368 0.5 0 0 6.55 1524.49
2369 0.5 0 0 7.3 705.48
2370 0.5 0 0 7 828.57
2371 0.5 0 0 7.05 1710.94
2372 0.5 0 0 7.2 1318.98
2373 0.5 0 0 5.95 879.8
2374 0.5 0 0 11.75 141.23
2375 0.5 0 0 7.35 1186.27
2376 0.5 0 0 13.25 150.29
2377 0.5 0 0 7.35 727.43
2378 0.5 0 0 5.85 606.81
2379 0.5 0 0 10.025 269.88
2380 0.5 0 0 10.5 1226.6
2381 0.5 0 0 11.025 275.84
2382 0.5 0 0 8.85 942.81
2383 0.5 0 0 8.775 226.76
2384 0.5 0 0 7.75 676.14
2385 0.5 0 0 10.525 260.51
2386 0.5 0 0 5.6 1342
2387 0.5 0 0 10.525 629.79
2388 0.5 0 0 8.9 291.59
2389 0.5 0 0 10.525 257.12
2390 0.5 0 0 7.6 1274.09
2391 0.5 0 0 7.5 605.36
2392 0.5 0 0 11.25 852.96
2393 0.5 0 0 6.64 1231.65
2394 0.5 0 0 10.875 273.59
2395 0.5 0 0 6.9 764.67
2396 0.5 0 0 6.45 1297.42
2397 0.5 0 0 11.75 229.31
2398 0.5 0 0 11.75 272.46
2399 0.5 0 0 7.75 1517.56
2400 0.5 0 0 8.5 563.24
2401 0.5 0 0 5.3 868.4
2402 0.5 0 0 10.525 341.46
2403 0.5 0 0 7.35 752.27
2404 0.5 0 0 8.45 1602.06
2405 0.5 0 0 6.25 3191.11
2406 0.5 0 0 6.45 1059.12
2407 0.5 0 0 6.2 2386.87
2408 0.5 0 0 7.9 4652.25
2409 0.5 0 0 7.45 1219.58
2410 0.5 0 0 9.475 609.51
2411 0.5 0 0 8.2 1393.98
2412 0.5 0 0 7.95 875.55
2413 0.5 0 0 10.775 720.14
2414 0.5 0 0 11.375 794.83
2415 0.5 0 0 6.55 683.11
2416 0.5 0 0 9.475 875.73
2417 0.5 0 0 9.475 937.03
2418 0.5 0 0 9.475 1296.08
2419 0.5 0 0 10.875 725.77
2420 0.5 0 0 6.7 5009.46
2421 0.5 0 0 7.2 3460.19
2422 0.5 0 0 7.575 1471.99
2423 0.5 0 0 7.925 1557.75
2424 0.5 0 0 6.125 806.04
2425 0.5 0 0 5.4 1495.05
2426 0.5 0 0 8.1 533.9
2427 0.5 0 0 7.5 1063.96
2428 0.5 0 0 9.85 397.56
2429 0.5 0 0 5.55 874.01
2430 0.5 0 0 5.65 1927
2431 0.5 0 0 9.9 852.84
2432 0.5 0 0 5.7 1350.43
2433 0.5 0 0 7.7 575.78
2434 0.5 0 0 6.2 1316.37
2435 0.5 0 0 9.75 824.42
2436 0.5 0 0 7.25 3008.94
2437 0.5 0 0 8.05 579.35
2438 0.5 0 0 5.9 1922.67
2439 0.5 0 0 6.2 789.83
2440 0.5 0 0 7.15 1085.56
2441 0.5 0 0 11.75 177.78
2442 0.5 0 0 7.1 1751.07
2443 0.5 0 0 8.3 533.44
2444 0.5 0 0 8.775 252.3
2445 0.5 0 0 6.15 1427.73
2446 0.5 0 0 10.525 269.09
2447 0.5 0 0 6.7 2579.4
2448 0.5 0 0 7.2 741.48
2449 0.5 0 0 8 2811.15
2450 0.5 0 0 8.3 668.51
2451 0.5 0 0 6.49 2392.68
2452 0.5 0 0 7.35 5208.02
2453 0.5 0 0 6.55 1527.5
2454 0.5 0 0 6.025 3295.31
2455 0.5 0 0 5.75 1847.16
2456 0.5 0 0 6.95 2408.12
2457 0.5 0 0 6.95 1441.69
2458 0.5 0 0 6.25 942.75
2459 0.5 0 0 5.49 2275.85
2460 0.5 0 0 5.49 1896.83
2461 0.5 0 0 7.9 978.97
2462 0.5 0 0 9.49 745.31
2463 0.5 0 0 10.625 1000.26
2464 0.5 0 0 7.7 732.8
2465 0.5 0 0 6.925 1496.1
2466 0.5 0 0 10.05 495.06
2467 0.5 0 0 6.25 2362.5
2468 0.5 0 0 10.4 992.01
2469 0.5 0 0 5.75 572.62
2470 0.5 0 0 11.1 249.48
2471 0.5 0 0 7.875 1898.33
2472 0.5 0 0 5.85 2073.89
2473 0.5 0 0 10.5 859
2474 0.5 0 0 5.95 2026.38
2475 0.5 0 0 7.55 1680.94
2476 0.5 0 0 6.15 1150.62
2477 0.5 0 0 7.9 2818.8
2478 0.5 0 0 9.15 553.69
2479 0.5 0 0 6.2 2353.93
2480 0.5 0 0 5.7 1924.69
2481 0.5 0 0 5.85 1037.17
2482 0.5 0 0 6.2 2613
2483 0.5 0 0 5.85 1164.17
2484 0.5 0 0 7 1149.51
2485 0.5 0 0 6.1 1619.13
2486 0.5 0 0 6.05 1965
2487 0.5 0 0 10.875 1020
2488 0.5 0 0 6.9 581.6
2489 0.5 0 0 9.875 445.5
2490 0.5 0 0 11.075 607.58
2491 0.5 0 0 10.49 405.37
2492 0.5 0 0 6.49 1661.58
2493 0.5 0 0 6.475 1459.98
2494 0.5 0 0 9.15 485.54
2495 0.5 0 0 6.8 1085.95
2496 0.5 0 0 10.025 320.82
2497 0.5 0 0 8.9 256.74
2498 0.5 0 0 9.75 967.79
2499 0.5 0 0 9.49 438.42
2500 0.5 0 0 9.625 909.48
2501 0.5 0 0 6.85 1433.07
2502 0.5 0 0 6.45 900.25
2503 0.5 0 0 4.875 4076.6
2504 0.5 0 0 6.15 1006.35
2505 0.5 0 0 8.3 1770.22
2506 0.5 0 0 6.6 814.73
2507 0.5 0 0 8 3162.71
2508 0.5 0 0 8.45 1642.11
2509 0.5 0 0 6.1 1640.65
2510 0.5 0 0 8.65 607.91
2511 0.5 0 0 6.725 2532.06
2512 0.5 0 0 10.85 1029.27
2513 0.5 0 0 6.95 1105.08
2514 0.5 0 0 6.625 410.29
2515 0.5 0 0 11.3 264.46
2516 0.5 0 0 6.25 1681.49
2517 0.5 0 0 5.8 1942.5
2518 0.5 0 0 6.975 875.51
2519 0.5 0 0 10.95 345.27
2520 0.5 0 0 10.1 2052.87
2521 0.5 0 0 6.7 2545.46
2522 0.5 0 0 6.25 1881
2523 0.5 0 0 9.95 761.6
2524 0.5 0 0 6.625 1353.75
2525 0.5 0 0 10.85 557.95
2526 0.5 0 0 7.15 2027.25
2527 0.5 0 0 6.25 1497.66
2528 0.5 0 0 10.95 641.21
2529 0.5 0 0 6.25 2205
2530 0.5 0 0 9.95 892.78
2531 0.5 0 0 6.75 2199.17
2532 0.5 0 0 10.5 866.61
2533 0.5 0 0 7.2 1299.38
2534 0.5 0 0 9.875 393.49
2535 0.5 0 0 5.75 2031.25
2536 0.5 0 0 10 951.33
2537 0.5 0 0 5.3 1840.92
2538 0.5 0 0 7.3 568.7
2539 0.5 0 0 5.575 4212
2540 0.5 0 0 7.49 1339.68
2541 0.5 0 0 6.175 812.13
2542 0.5 0 0 8.75 312.45
2543 0.5 0 0 7.425 1058.94
2544 0.5 0 0 5.25 942.47
2545 0.5 0 0 7.925 536.05
2546 0.5 0 0 6.75 668.53
2547 0.5 0 0 9.4 1018.12
2548 0.5 0 0 8.75 510.06
2549 0.5 0 0 6.49 2097
2550 0.5 0 0 11.2 884.91
2551 0.5 0 0 7.55 635.93
2552 0.5 0 0 5.525 1222.57
2553 0.5 0 0 5.725 687.78
2554 0.5 0 0 7 594.33
2555 0.5 0 0 6.075 1836.62
2556 0.5 0 0 7.49 2199.2
2557 0.5 0 0 6.4 2074.59
2558 0.5 0 0 7.325 2054.76
2559 0.5 0 0 9.4 2884.68
2560 0.5 0 0 5.25 2532.71
2561 0.5 0 0 7.775 2051.51
2562 0.5 0 0 6.35 713.54
2563 0.5 0 0 9.25 214.79
2564 0.5 0 0 8.8 1289.03
2565 0.5 0 0 7.15 2381.06
2566 0.5 0 0 6.25 953.44
2567 0.5 0 0 7.75 608.53
2568 0.5 0 0 7.49 2705.02
2569 0.5 0 0 6.25 2025
2570 0.5 0 0 6.55 966.22
2571 0.5 0 0 6.49 2399.9
2572 0.5 0 0 11.2 1035.75
2573 0.5 0 0 7.45 2115.99
2574 0.5 0 0 6.7 1439.52
2575 0.5 0 0 9.4 521.94
2576 0.5 0 0 7.6 1533.35
2577 0.5 0 0 7.85 2816.74
2578 0.5 0 0 6.3 620.63
2579 0.5 0 0 6.85 1053.51
2580 0.5 0 0 5.25 2108.33
2581 0.5 0 0 8.1 853.61
2582 0.5 0 0 7.4 1327.87
2583 0.5 0 0 7.85 1228.46
2584 0.5 0 0 8.1 1629.62
2585 0.5 0 0 6.75 1295.33
2586 0.5 0 0 10.75 520.6
2587 0.5 0 0 6.49 1384.89
2588 0.5 0 0 6.45 1191.51
2589 0.5 0 0 6.475 892.57
2590 0.5 0 0 5.9 1337.02
2591 0.5 0 0 9.95 709.22
2592 0.5 0 0 8.49 1607.81
2593 0.5 0 0 10.49 761.25
2594 0.5 0 0 6 2559.38
2595 0.5 0 0 5.7 2235.31
2596 0.5 0 0 7.25 752.23
2597 0.5 0 0 5.74 1510.08
2598 0.5 0 0 6.3 1003.96
2599 0.5 0 0 7.3 5479.18
2600 0.5 0 0 10.25 677.71
2601 0.5 0 0 11.2 2825.52
2602 0.5 0 0 5.775 543.83
2603 0.5 0 0 10.5 247.6
2604 0.5 0 0 6.9 2631.04
2605 0.5 0 0 7.15 1033.05
2606 0.5 0 0 10.5 346.65
2607 0.5 0 0 6.13 1599.49
2608 0.5 0 0 5.5 1402.95
2609 0.5 0 0 6.49 1703.81
2610 0.5 0 0 6.625 1690.7
2611 0.5 0 0 7.49 1581.35
2612 0.5 0 0 8.45 570.73
2613 0.5 0 0 7.05 702.64
2614 0.5 0 0 5.875 580.2
2615 0.5 0 0 6.75 3730.73
2616 0.5 0 0 7 995.68
2617 0.5 0 0 9 546.56
2618 0.5 0 0 7.75 3497.15
2619 0.5 0 0 6.49 1088.67
2620 0.5 0 0 8 1424.41
2621 0.5 0 0 6.875 1878.64
2622 0.5 0 0 7.3 2528.82
2623 0.5 0 0 7.6 1555.57
2624 0.5 0 0 5.75 1205.4
2625 0.5 0 0 5.55 1235.68
2626 0.5 0 0 7.49 1077.61
2627 0.5 0 0 5.75 1078.13
2628 0.5 0 0 6.65 1910.05
2629 0.5 0 0 6.55 1337.33
2630 0.5 0 0 7.55 5898.03
2631 0.5 0 0 5.9 1970.34
2632 0.5 0 0 5.375 1954.44
2633 0.5 0 0 6 630.87
2634 0.5 0 0 7.8 815.17
2635 0.5 0 0 6.4 1334
2636 0.5 0 0 7.15 1491.75
2637 0.5 0 0 9.8 526.39
2638 0.5 0 0 8.55 1418.43
2639 0.5 0 0 8.35 1595.05
2640 0.5 0 0 6.25 2270.25
2641 0.5 0 0 6.4 1452.21
2642 0.5 0 0 7 3600.95
2643 0.5 0 0 10 530.55
2644 0.5 0 0 10.25 252.04
2645 0.5 0 0 6.5 3295.83
2646 0.5 0 0 8.1 519.93
2647 0.5 0 0 10.85 851.61
2648 0.5 0 0 6.95 445.31
2649 0.5 0 0 7.925 810.95
2650 0.5 0 0 6.175 1824.5
2651 0.5 0 0 9.49 719
2652 0.5 0 0 9.25 652.96
2653 0.5 0 0 6 2521.95
2654 0.5 0 0 7.025 2006.67
2655 0.5 0 0 8.4 467.58
2656 0.5 0 0 8.49 1417.93
2657 0.5 0 0 5.49 1232.94
2658 0.5 0 0 5.225 1950.32
2659 0.5 0 0 8.25 804.01
2660 0.5 0 0 5.875 4753.38
2661 0.5 0 0 7.4 2484.95
2662 0.5 0 0 6.49 2429.23
2663 0.5 0 0 9.8 578.4
2664 0.5 0 0 7.15 2178.21
2665 0.5 0 0 9.49 350.73
2666 0.5 0 0 8.325 2219.12
2667 0.5 0 0 5.75 1200.65
2668 0.5 0 0 6.35 2191.84
2669 0.5 0 0 6.85 1194.68
2670 0.5 0 0 6.65 1134.68
2671 0.5 0 0 11.45 430.4
2672 0.5 0 0 7.25 3391.5
2673 0.5 0 0 6.55 1591.42
2674 0.5 0 0 4.75 1546.17
2675 0.5 0 0 6.49 2628.53
2676 0.5 0 0 8.375 636.52
2677 0.5 0 0 5.3 1273.25
2678 0.5 0 0 8.49 641.51
2679 0.5 0 0 6.65 504.87
2680 0.5 0 0 6.1 1781.86
2681 0.5 0 0 5.925 1011.94
2682 0.5 0 0 8.6 332.85
2683 0.5 0 0 8.49 401.95
2684 0.5 0 0 7.75 1127.65
2685 0.5 0 0 7.125 3765.46
2686 0.5 0 0 7.05 3288.36
2687 0.5 0 0 7.5 3266.67
2688 0.5 0 0 10.5 679.96
2689 0.5 0 0 6.65 2383.33
2690 0.5 0 0 11.45 1024.77
2691 0.5 0 0 11.45 819.81
2692 0.5 0 0 6.05 965.75
2693 0.5 0 0 5.875 1506.09
2694 0.5 0 0 7.375 1053.89
2695 0.5 0 0 8.175 1588.48
2696 0.5 0 0 6.475 5580
2697 0.5 0 0 7.2 773.56
2698 0.5 0 0 9.1 618.31
2699 0.5 0 0 7.65 744.25
2700 0.5 0 0 6.05 1275.8
2701 0.5 0 0 6 1238.85
2702 0.5 0 0 6.3 1101.75
2703 0.5 0 0 7.3 1202.18
2704 0.5 0 0 6.45 1224.6
2705 0.5 0 0 6.9 1146.58
2706 0.5 0 0 7.975 867.25
2707 0.5 0 0 6 1538.33
2708 0.5 0 0 10 649.46
2709 0.5 0 0 6.7 1710
2710 0.5 0 0 6.4 1196
2711 0.5 0 0 6.425 1855.9
2712 0.5 0 0 10.49 765.06
2713 0.5 0 0 10.875 417.81
2714 0.5 0 0 6 3726.67
2715 0.5 0 0 11.2 1729.6
2716 0.5 0 0 5.8 1355.55
2717 0.5 0 0 4.9 1976.59
2718 0.5 0 0 10.75 854.71
2719 0.5 0 0 6.65 1950.24
2720 0.5 0 0 6.325 1377.8
2721 0.5 0 0 6.375 1003.75
2722 0.5 0 0 9.8 394.12
2723 0.5 0 0 6 1946.77
2724 0.5 0 0 6.675 1183.88
2725 0.5 0 0 8.225 480.37
2726 0.5 0 0 6.25 1444.43
2727 0.5 0 0 6.75 2283.75
2728 0.5 0 0 9 838.75
2729 0.5 0 0 10.3 299.92
2730 0.5 0 0 8.15 3087.09
2731 0.5 0 0 6.49 5458.03
2732 0.5 0 0 10.7 2902.4
2733 0.5 0 0 7.15 2128.54
2734 0.5 0 0 5.35 850.69
2735 0.5 0 0 5.425 1364.92
2736 0.5 0 0 5.55 2079.55
2737 0.5 0 0 6.49 1019.38
2738 0.5 0 0 6 3665.99
2739 0.5 0 0 6.3 1440.75
2740 0.5 0 0 5.9 938.26
2741 0.5 0 0 6.25 599.95
2742 0.5 0 0 7 1158.6
2743 0.5 0 0 8.05 2384.58
2744 0.5 0 0 9.25 972.56
2745 0.5 0 0 6.075 3068.33
2746 0.5 0 0 9.375 607.84
2747 0.5 0 0 6.75 1822.17
2748 0.5 0 0 8.05 2421.66
2749 0.5 0 0 6.425 1448.97
2750 0.5 0 0 9.3 722.19
2751 0.5 0 0 5.4 939.53
2752 0.5 0 0 11 392.16
2753 0.5 0 0 6.05 1429.56
2754 0.5 0 0 7.35 3038.01
2755 0.5 0 0 6.825 1250.83
2756 0.5 0 0 6.55 1150.1
2757 0.5 0 0 7 1258.59
2758 0.5 0 0 5.49 2641.18
2759 0.5 0 0 8.725 1071.23
2760 0.5 0 0 9.75 657.74
2761 0.5 0 0 8.05 1286.15
2762 0.5 0 0 7.975 904.46
2763 0.5 0 0 7.05 737.77
2764 0.5 0 0 6.5 1330.6
2765 0.5 0 0 7.75 2099.79
2766 0.5 0 0 7.55 1520.58
2767 0.5 0 0 6.825 2380.63
2768 0.5 0 0 6.49 1076.7
2769 0.5 0 0 6.3 2550
2770 0.5 0 0 6 793.25
2771 0.5 0 0 6.375 1682.08
2772 0.5 0 0 6.325 982.8
2773 0.5 0 0 9.7 381.94
2774 0.5 0 0 6 477.84
2775 0.5 0 0 5.75 4557.29
2776 0.5 0 0 6.075 1591.15
2777 0.5 0 0 10 664.1
2778 0.5 0 0 6.475 1046.25
2779 0.5 0 0 6.175 1412.88
2780 0.5 0 0 9.45 917.57
2781 0.5 0 0 8.6 1315.16
2782 0.5 0 0 5.175 4237.33
2783 0.5 0 0 5.375 2849.37
2784 0.5 0 0 6.875 909.58
2785 0.5 0 0 10.7 357.96
2786 0.5 0 0 6.49 3655.47
2787 0.5 0 0 9.75 725.84
2788 0.5 0 0 6.05 1331.97
2789 0.5 0 0 7.75 478.93
2790 0.5 0 0 6.49 1671.55
2791 0.5 0 0 6.75 1283.58
2792 0.5 0 0 8.6 925.48
2793 0.5 0 0 8.1 937.42
2794 0.5 0 0 5.675 643.23
2795 0.5 0 0 5.525 2048.5
2796 0.5 0 0 7.9 1220.46
2797 0.5 0 0 6.3 1695.01
2798 0.5 0 0 7.7 909.27
2799 0.5 0 0 6.49 2796
2800 0.5 0 0 6 1127.61
2801 0.5 0 0 8.15 779.57
2802 0.5 0 0 11.95 265.84
2803 0.5 0 0 6.49 1807.8
2804 0.5 0 0 7.85 1222.77
2805 0.5 0 0 7 1040.08
2806 0.5 0 0 10.9 849.03
2807 0.5 0 0 7.25 3223.86
2808 0.5 0 0 8.35 1746.48
2809 0.5 0 0 5.85 896.02
2810 0.5 0 0 6.875 5223.96
2811 0.5 0 0 6.25 1634.47
2812 0.5 0 0 10 1783.74
2813 0.5 0 0 6.65 3012.31
2814 0.5 0 0 9.475 2700.73
2815 0.5 0 0 9.45 480.63
2816 0.5 0 0 6.375 1123.35
2817 0.5 0 0 10.2 327.26
2818 0.5 0 0 7.275 2698.57
2819 0.5 0 0 7.25 791.64
2820 0.5 0 0 5.95 2096.25
2821 0.5 0 0 7.6 1925.94
2822 0.5 0 0 8 2318.27
2823 0.5 0 0 6 1837.88
2824 0.5 0 0 8.3 497.87
2825 0.5 0 0 8.575 721.73
2826 0.5 0 0 6.75 859.54
2827 0.5 0 0 6.7 902.79
2828 0.5 0 0 6.65 2258.69
2829 0.5 0 0 6.85 3980.94
2830 0.5 0 0 10.25 653.44
2831 0.5 0 0 10.45 398.39
2832 0.5 0 0 7.05 3541.31
2833 0.5 0 0 5.975 2331
2834 0.5 0 0 6.3 2281.74
2835 0.5 0 0 7.375 1714.45
2836 0.5 0 0 9.75 582.47
2837 0.5 0 0 8.5 6750
2838 0.5 0 0 8.95 461.13
2839 0.5 0 0 7.05 1917.2
2840 0.5 0 0 9.8 685.48
2841 0.5 0 0 9.3 1095.79
2842 0.5 0 0 6.49 4301.18
2843 0.5 0 0 6.75 1750.57
2844 0.5 0 0 7.35 1784.57
2845 0.5 0 0 6.49 1512.04
2846 0.5 0 0 10.49 1379.77
2847 0.5 0 0 7.2 1297.59
2848 0.5 0 0 6.9 1744.8
2849 0.5 0 0 8.8 1363.4
2850 0.5 0 0 6.525 1494.04
2851 0.5 0 0 7.375 852.68
2852 0.5 0 0 5.39 1119.1
2853 0.5 0 0 6 1200.93
2854 0.5 0 0 11.4 841.24
2855 0.5 0 0 6.7 2322
2856 0.5 0 0 11.45 2305.72
2857 0.5 0 0 5.1 2899.1
2858 0.5 0 0 6.49 1980.5
2859 0.5 0 0 7.75 3480.24
2860 0.5 0 0 6.175 1286.61
2861 0.5 0 0 7.05 1337.11
2862 0.5 0 0 9.95 433.4
2863 0.5 0 0 9.125 478.03
2864 0.5 0 0 7.45 1961
2865 0.5 0 0 11.65 769.73
2866 0.5 0 0 9.45 742.8
2867 0.5 0 0 9.45 620.45
2868 0.5 0 0 9.75 915.82
2869 0.5 0 0 7.6 2266.69
2870 0.5 0 0 7.1 2660
2871 0.5 0 0 11.2 1055.86
2872 0.5 0 0 7.49 2541.91
2873 0.5 0 0 9.49 713.74
2874 0.5 0 0 10 439.07
2875 0.5 0 0 8.05 2495.05
2876 0.5 0 0 9.45 2013.42
2877 0.5 0 0 7.5 880.52
2878 0.5 0 0 6.15 1585.65
2879 0.5 0 0 6.7 1303.27
2880 0.5 0 0 11 475.34
2881 0.5 0 0 9.3 1022.45
2882 0.5 0 0 5.95 1257.57
2883 0.5 0 0 11.05 1451.4
2884 0.5 0 0 10.8 1121.32
2885 0.5 0 0 6.875 1794.58
2886 0.5 0 0 9.75 654.15
2887 0.5 0 0 8.8 565.19
2888 0.5 0 0 6.75 1993.75
2889 0.5 0 0 7.925 4428.91
2890 0.5 0 0 6.49 1807.8
2891 0.5 0 0 6.85 2401
2892 0.5 0 0 10.49 932.54
2893 0.5 0 0 7.49 1055.62
2894 0.5 0 0 6.8 1314
2895 0.5 0 0 8.85 634.19
2896 0.5 0 0 8.1 974.67
2897 0.5 0 0 6.25 1746
2898 0.5 0 0 9.49 929.44
2899 0.5 0 0 10.7 750.75
2900 0.5 0 0 8.85 1942.04
2901 0.5 0 0 10.45 460.99
2902 0.5 0 0 6.45 2025.56
2903 0.5 0 0 8.2 528.61
2904 0.5 0 0 5.8 792.29
2905 0.5 0 0 7.05 2866.78
2906 0.5 0 0 11.3 1033.51
2907 0.5 0 0 9.49 889.11
2908 0.5 0 0 9.8 707.26
2909 0.5 0 0 7.3 1367.57
2910 0.5 0 0 8.6 2703.39
2911 0.5 0 0 11.325 358.35
2912 0.5 0 0 7.275 1867.17
2913 0.5 0 0 8 1862.69
2914 0.5 0 0 8.4 510.36
2915 0.5 0 0 8.675 559
2916 0.5 0 0 9.45 742.8
2917 0.5 0 0 8.1 1254.03
2918 0.5 0 0 9.725 929.61
2919 0.5 0 0 8.05 646.55
2920 0.5 0 0 6.8 634.15
2921 0.5 0 0 6.55 2934.1
2922 0.5 0 0 8.425 770.66
2923 0.5 0 0 7.2 1006.7
2924 0.5 0 0 7.85 2473.69
2925 0.5 0 0 8.1 776.01
2926 0.5 0 0 8.5 1126.47
2927 0.5 0 0 11.2 412.29
2928 0.5 0 0 5.725 828.96
2929 0.5 0 0 6.49 1992.15
2930 0.5 0 0 8.95 519.49
2931 0.5 0 0 7 978.9
2932 0.5 0 0 6.35 1501.29
2933 0.5 0 0 5.55 1789.79
2934 0.5 0 0 9.95 477.37
2935 0.5 0 0 8.1 776.01
2936 0.5 0 0 5.65 3810.72
2937 0.5 0 0 9.7 564.88
2938 0.5 0 0 8.575 929.5
2939 0.5 0 0 6.225 717.33
2940 0.5 0 0 8.05 551.54
2941 0.5 0 0 9 836.23
2942 0.5 0 0 6.25 518.88
2943 0.5 0 0 7.375 463.47
2944 0.5 0 0 9.5 211.18
2945 0.5 0 0 5.75 2278.16
2946 0.5 0 0 6.49 2465.14
2947 0.5 0 0 5.75 995
2948 0.5 0 0 7.675 402.84
2949 0.5 0 0 7.65 774.02
2950 0.5 0 0 10.25 242.71
2951 0.5 0 0 7.1 773.86
2952 0.5 0 0 8.05 888.33
2953 0.5 0 0 5.65 1631.21
2954 0.5 0 0 5.8 1420.54
2955 0.5 0 0 9.025 3214.69
2956 0.5 0 0 7 1835.44
2957 0.5 0 0 6.95 981.59
2958 0.5 0 0 5.75 2250
2959 0.5 0 0 10.35 724.57
2960 0.5 0 0 6.4 2803
2961 0.5 0 0 11.45 1090.35
2962 0.5 0 0 9.6 860.01
2963 0.5 0 0 6.825 1443.27
2964 0.5 0 0 6.3 965.6
2965 0.5 0 0 8.7 1935.8
2966 0.5 0 0 8.25 778.83
2967 0.5 0 0 6.25 1926.34
2968 0.5 0 0 5.125 1162.5
2969 0.5 0 0 9 521.33
2970 0.5 0 0 5.8 1512
2971 0.5 0 0 6.15 839.69
2972 0.5 0 0 5.875 1636.25
2973 0.5 0 0 10.7 532.11
2974 0.5 0 0 10.25 300.58
2975 0.5 0 0 9.3 992.25
2976 0.5 0 0 7.8 1207.66
2977 0.5 0 0 7.23 868.76
2978 0.5 0 0 6.4 2277
2979 0.5 0 0 10 905.59
2980 0.5 0 0 6.375 1132.66
2981 0.5 0 0 7.6 2080.02
2982 0.5 0 0 8.4 5284.38
2983 0.5 0 0 11.4 1454.81
2984 0.5 0 0 6.5 1410.44
2985 0.5 0 0 11.35 539.05
2986 0.5 0 0 10.25 728.12
2987 0.5 0 0 8.9 479.4
2988 0.5 0 0 6.25 1201.92
2989 0.5 0 0 6.5 1376.58
2990 0.5 0 0 6.2 2813.41
2991 0.5 0 0 11.3 303.97
2992 0.5 0 0 6.05 1861.6
2993 0.5 0 0 9.7 480.1
2994 0.5 0 0 6.65 1161.7
2995 0.5 0 0 8.85 4909.88
2996 0.5 0 0 8.35 2095.77
2997 0.5 0 0 8.49 631.06
2998 0.5 0 0 6.15 2086.39
2999 0.5 0 0 7.825 938.72
3000 0.5 0 0 10.375 858.03
3001 0.5 0 0 9.75 514.36
3002 0.5 0 0 8.9 3051.08
3003 0.5 0 0 8.125 634.68
3004 0.5 0 0 6.25 1212.88
3005 0.5 0 0 8.8 723.01
3006 0.5 0 0 6.4 985.27
3007 0.5 0 0 6.4 1797.98
3008 0.5 0 0 7.6 2216.69
3009 0.5 0 0 6.85 943.89
3010 0.5 0 0 6 2028
3011 0.5 0 0 7 1617.28
3012 0.5 0 0 10.49 447.62
3013 0.5 0 0 6.49 1881.48
3014 0.5 0 0 6.55 3761.23
3015 0.5 0 0 7.4 548.06
3016 0.5 0 0 6.4 3260.07
3017 0.5 0 0 6.49 2013.12
3018 0.5 0 0 9.25 1313.26
3019 0.5 0 0 8.125 770.01
3020 0.5 0 0 7.225 2137.25
3021 0.5 0 0 11.4 847.36
3022 0.5 0 0 7.05 867.76
3023 0.5 0 0 7.49 5336.73
3024 0.5 0 0 11.4 1858.08
3025 0.5 0 0 7.35 1340.63
3026 0.5 0 0 11.4 473.04
3027 0.5 0 0 6.55 1208.94
3028 0.5 0 0 10.2 420.24
3029 0.5 0 0 6.55 1215.63
3030 0.5 0 0 6.7 2301.09
3031 0.5 0 0 5.75 788.83
3032 0.5 0 0 9.49 526.1
3033 0.5 0 0 7.725 876.93
3034 0.5 0 0 7.05 664
3035 0.5 0 0 11 940.78
3036 0.5 0 0 6.25 1352.36
3037 0.5 0 0 9.95 655.92
3038 0.5 0 0 6.725 1258.35
3039 0.5 0 0 6.15 1550.35
3040 0.5 0 0 9.25 679.16
3041 0.5 0 0 8.15 1184.95
3042 0.5 0 0 11.05 695.88
3043 0.5 0 0 6.6 1075.25
3044 0.5 0 0 9 3554.71
3045 0.5 0 0 6.775 2346.19
3046 0.5 0 0 8.35 1389.24
3047 0.5 0 0 6.5 1383.83
3048 0.5 0 0 6.32 1093.55
3049 0.5 0 0 8.8 483.39
3050 0.5 0 0 7.1 1878.16
3051 0.5 0 0 6.85 344.49
3052 0.5 0 0 11.65 524.25
3053 0.5 0 0 6.65 2431
3054 0.5 0 0 11 1010.1
3055 0.5 0 0 11.4 255.23
3056 0.5 0 0 10.25 519.48
3057 0.5 0 0 7.175 2489.33
3058 0.5 0 0 7.575 1107.39
3059 0.5 0 0 5.675 1152.67
3060 0.5 0 0 8.9 466.8
3061 0.5 0 0 7.1 748.09
3062 0.5 0 0 7.15 1177.79
3063 0.5 0 0 6.35 1963.67
3064 0.5 0 0 7.3 1140.27
3065 0.5 0 0 8.3 1041.19
3066 0.5 0 0 6.6 2745.33
3067 0.5 0 0 8.425 773.7
3068 0.5 0 0 9.49 1017.13
3069 0.5 0 0 6.85 688.97
3070 0.5 0 0 6.05 1419.17
3071 0.5 0 0 9.7 580.05
3072 0.5 0 0 7.25 502.2
3073 0.5 0 0 5.375 1860.42
3074 0.5 0 0 8.65 1272.08
3075 0.5 0 0 6.275 1631.65
3076 0.5 0 0 10 238.77
3077 0.5 0 0 6.4 1002.8
3078 0.5 0 0 5.45 1426.45
3079 0.5 0 0 6.9 974.88
3080 0.5 0 0 9.49 280.59
3081 0.5 0 0 6.49 1023.54
3082 0.5 0 0 5.25 1634.01
3083 0.5 0 0 6.65 728.9
3084 0.5 0 0 10.49 256.74
3085 0.5 0 0 6.625 1024.06
3086 0.5 0 0 6.75 1337.07
3087 0.5 0 0 10.49 95.15
3088 0.5 0 0 10.49 226.29
3089 0.5 0 0 6 1058.72
3090 0.5 0 0 8.4 476.87
3091 0.5 0 0 6.49 1090
3092 0.5 0 0 6 1163.01
3093 0.5 0 0 11.25 174.74
3094 0.5 0 0 7.95 1132.76
3095 0.5 0 0 7.9 1701
3096 0.5 0 0 6.05 1168.56
3097 0.5 0 0 11.75 81.88
3098 0.5 0 0 9.49 375.29
3099 0.5 0 0 11.75 106.16
3100 0.5 0 0 10.25 681.45
3101 0.5 0 0 10.02 433.2
3102 0.5 0 0 7.05 534.01
3103 0.5 0 0 6.15 2824.65
3104 0.5 0 0 10.49 266.29
3105 0.5 0 0 12.5 191.12
3106 0.5 0 0 7.49 733.07
3107 0.5 0 0 6.55 807.75
3108 0.5 0 0 6.2 1574.48
3109 0.5 0 0 6.45 1251.88
3110 0.5 0 0 9.75 196.2
3111 0.5 0 0 10.49 287.38
3112 0.5 0 0 6.3 1903.63
3113 0.5 0 0 6.55 663.32
3114 0.5 0 0 9.75 519.74
3115 0.5 0 0 7.3 817.78
3116 0.5 0 0 6.75 899.11
3117 0.5 0 0 11.3 1543.51
3118 0.5 0 0 10.03 216.81
3119 0.5 0 0 10.05 235.14
3120 0.5 0 0 5.6 528.67
3121 0.5 0 0 6.1 500.2
3122 0.5 0 0 8.49 209.02
3123 0.5 0 0 10.5 176.18
3124 0.5 0 0 7.2 1112.22
3125 0.5 0 0 8.2 1220.51
3126 0.5 0 0 10.49 417.43
3127 0.5 0 0 10.49 264.78
3128 0.5 0 0 9.48 779.73
3129 0.5 0 0 5.95 996
3130 0.5 0 0 9 695.18
3131 0.5 0 0 6.49 1794.1
3132 0.5 0 0 6.5 1037.88
3133 0.5 0 0 7.49 1554.11
3134 0.5 0 0 6.55 1173.3
3135 0.5 0 0 7.4 1975
3136 0.5 0 0 10.625 258.99
3137 0.5 0 0 8.4 598.08
3138 0.5 0 0 7.35 751.55
3139 0.5 0 0 11.49 154.89
3140 0.5 0 0 10.75 135.69
3141 0.5 0 0 5.55 1060.88
3142 0.5 0 0 11.75 275.08
3143 0.5 0 0 6.955 775.22
3144 0.5 0 0 8.19 258.2
3145 0.5 0 0 10.49 94.83
3146 0.5 0 0 8.9 325.1
3147 0.5 0 0 9.62 235.87
3148 0.5 0 0 10.49 291.18
3149 0.5 0 0 7.7 1960.61
3150 0.5 0 0 8.19 514.45
3151 0.5 0 0 7.49 3225.5
3152 0.5 0 0 7.3 1198.59
3153 0.5 0 0 9 262.82
3154 0.5 0 0 7 1090.78
3155 0.5 0 0 8.5 450.59
3156 0.5 0 0 6.99 855.01
3157 0.5 0 0 5.88 1991.52
3158 0.5 0 0 5.75 775
3159 0.5 0 0 6.8 1661.83
3160 0.5 0 0 6.5 1170.94
3161 0.5 0 0 6.45 1090.9
3162 0.5 0 0 10.49 437.73
3163 0.5 0 0 6.65 1132.08
3164 0.5 0 0 10.6 575.94
3165 0.5 0 0 7.3 540.2
3166 0.5 0 0 10 207.38
3167 0.5 0 0 9.5 124.05
3168 0.5 0 0 6.74 871.78
3169 0.5 0 0 8.49 479.13
3170 0.5 0 0 11 130.26
3171 0.5 0 0 9.475 744.37
3172 0.5 0 0 8.475 272.97
3173 0.5 0 0 9.5 125.73
3174 0.5 0 0 10.875 197.25
3175 0.5 0 0 6.89 1732.02
3176 0.5 0 0 6.6 860.21
3177 0.5 0 0 6.45 787.67
3178 0.5 0 0 10.75 118.99
3179 0.5 0 0 9.475 325.77
3180 0.5 0 0 7.625 276.21
3181 0.5 0 0 7.7 2482.55
3182 0.5 0 0 10.9 255.5
3183 0.5 0 0 8.625 509.34
3184 0.5 0 0 6.25 1224.19
3185 0.5 0 0 6.25 1336.12
3186 0.5 0 0 8.49 257.25
3187 0.5 0 0 6.65 710.23
3188 0.5 0 0 6.4 652.1
3189 0.5 0 0 6.05 904.76
3190 0.5 0 0 7.29 788.22
3191 0.5 0 0 6.49 1300.14
3192 0.5 0 0 8.25 985.11
3193 0.5 0 0 10.499 577.07
3194 0.5 0 0 8.65 1076.38
3195 0.5 0 0 9.375 217.09
3196 0.5 0 0 6.2 1530.79
3197 0.5 0 0 9.675 528.15
3198 0.5 0 0 8.75 1069.48
3199 0.5 0 0 9.49 169.7
3200 0.5 0 0 12 101
3201 0.5 0 0 11.75 81.88
3202 0.5 0 0 6.2 1949.23
3203 0.5 0 0 10.49 283.57
3204 0.5 0 0 6.25 1282.5
3205 0.5 0 0 9.7 459.58
3206 0.5 0 0 6.9 1301.68
3207 0.5 0 0 6.3 1069.16
3208 0.5 0 0 6.9 742.24
3209 0.5 0 0 9.49 324.43
3210 0.5 0 0 6 1027
3211 0.5 0 0 8.75 394.97
3212 0.5 0 0 9.49 100.4
3213 0.5 0 0 7 1638.96
3214 0.5 0 0 10 512.26
3215 0.5 0 0 9 398.57
3216 0.5 0 0 9.5 235.19
3217 0.5 0 0 10.75 357.43
3218 0.5 0 0 7.45 2918.21
3219 0.5 0 0 9.125 484.5
3220 0.5 0 0 12 139.06
3221 0.5 0 0 7.25 1871.63
3222 0.5 0 0 9 344.76
3223 0.5 0 0 10.25 296.79
3224 0.5 0 0 6.8 798.13
3225 0.5 0 0 11.49 145.57
3226 0.5 0 0 10.65 331.51
3227 0.5 0 0 6.25 1390.6
3228 0.5 0 0 6 733.2
3229 0.5 0 0 8.49 282.18
3230 0.5 0 0 9.9 322.81
3231 0.5 0 0 10.49 72.29
3232 0.5 0 0 6.49 862.1
3233 0.5 0 0 9.525 325.39
3234 0.5 0 0 9.49 346.35
3235 0.5 0 0 7.4 901.24
3236 0.5 0 0 7.75 1033.75
3237 0.5 0 0 9.49 683.93
3238 0.5 0 0 9.15 511.1
3239 0.5 0 0 5.35 936
3240 0.5 0 0 6.2 768.27
3241 0.5 0 0 7.95 1591.98
3242 0.5 0 0 9.49 469.99
3243 0.5 0 0 7 1360
3244 0.5 0 0 9.49 389.32
3245 0.5 0 0 7.59 1487.5
3246 0.5 0 0 8.78 239.21
3247 0.5 0 0 8.75 269.84
3248 0.5 0 0 10.24 428.87
3249 0.5 0 0 6.65 564.65
3250 0.5 0 0 8.625 271.76
3251 0.5 0 0 5.7 802.34
3252 0.5 0 0 8.25 215.17
3253 0.5 0 0 7.25 904.98
3254 0.5 0 0 10.525 147.97
3255 0.5 0 0 7.4 814.03
3256 0.5 0 0 7.49 586.46
3257 0.5 0 0 6.9 573.3
3258 0.5 0 0 5.6 1037
3259 0.5 0 0 6.55 592.2
3260 0.5 0 0 6.6 1499.98
3261 0.5 0 0 9.5 265.91
3262 0.5 0 0 7.85 379.16
3263 0.5 0 0 9.9 227.54
3264 0.5 0 0 8.14 613.36
3265 0.5 0 0 6 1327.35
3266 0.5 0 0 6.437 3166.72
3267 0.5 0 0 6.95 695.8
3268 0.5 0 0 6.6 1735.95
3269 0.5 0 0 10.4 4015.3
3270 0.5 0 0 6.375 1064.23
3271 0.5 0 0 12 102.47
3272 0.5 0 0 7.85 1501.46
3273 0.5 0 0 9.49 719.01
3274 0.5 0 0 5.65 560.49
3275 0.5 0 0 8.75 207.32
3276 0.5 0 0 10.525 267.18
3277 0.5 0 0 6.25 4732.18
3278 0.5 0 0 9.49 447.19
3279 0.5 0 0 7.89 1252.05
3280 0.5 0 0 6.49 736.28
3281 0.5 0 0 7.2 1463
3282 0.5 0 0 7 2265.46
3283 0.5 0 0 10.53 261.86
3284 0.5 0 0 6 905.13
3285 0.5 0 0 7.99 479.36
3286 0.5 0 0 8.7 653.61
3287 0.5 0 0 9 243.01
3288 0.5 0 0 9.45 312.85
3289 0.5 0 0 6.85 920.47
3290 0.5 0 0 9.99 831.74
3291 0.5 0 0 8.75 468.93
3292 0.5 0 0 11.25 278.28
3293 0.5 0 0 10.3 331.6
3294 0.5 0 0 7.75 1138.93
3295 0.5 0 0 9.75 365.61
3296 0.5 0 0 7.49 6267.73
3297 0.5 0 0 5.6 1095.64
3298 0.5 0 0 9.1 383.37
3299 0.5 0 0 5.85 1455.21
3300 0.5 0 0 7.15 1475.79
3301 0.5 0 0 7 1925
3302 0.5 0 0 9.55 678.58
3303 0.5 0 0 6 3792.41
3304 0.5 0 0 8.65 1223.16
3305 0.5 0 0 5.875 2308.32
3306 0.5 0 0 7.125 1840.26
3307 0.5 0 0 5.9 889.47
3308 0.5 0 0 4.65 1719.98
3309 0.5 0 0 6.49 1129.87
3310 0.5 0 0 7.3 560.42
3311 0.5 0 0 5.75 1408.33
3312 0.5 0 0 8.25 531.81
3313 0.5 0 0 7.125 3507.5
3314 0.5 0 0 10.525 157.93
3315 0.5 0 0 5.95 567.6
3316 0.5 0 0 8.3 1984.5
3317 0.5 0 0 11.125 429.94
3318 0.5 0 0 11.75 261.51
3319 0.5 0 0 6.7 1099.64
3320 0.5 0 0 6.49 802.88
3321 0.5 0 0 6.85 688.98
3322 0.5 0 0 6.45 1165.03
3323 0.5 0 0 5.55 2319.17
3324 0.5 0 0 5.9 1301.06
3325 0.5 0 0 8.49 1024.98
3326 0.5 0 0 9.49 1192.5
3327 0.5 0 0 9.49 622.56
3328 0.5 0 0 8.9 616.85
3329 0.5 0 0 9.25 979.44
3330 0.5 0 0 7.05 1292.3
3331 0.5 0 0 10.25 400.92
3332 0.5 0 0 11.49 132.66
3333 0.5 0 0 7.3 1547.73
3334 0.5 0 0 11.25 898.38
3335 0.5 0 0 6.85 1470
3336 0.5 0 0 6.55 2132.2
3337 0.5 0 0 5.85 2737.84
3338 0.5 0 0 5.7 2294
3339 0.5 0 0 7 4894.51
3340 0.5 0 0 10.4 1133.73
3341 0.5 0 0 6.95 1539.67
3342 0.5 0 0 8.9 733.54
3343 0.5 0 0 9.49 1455.55
3344 0.5 0 0 8.25 494.05
3345 0.5 0 0 8.9 1317.04
3346 0.5 0 0 5.05 2306.56
3347 0.5 0 0 6 2022.62
3348 0.5 0 0 9.99 325.39
3349 0.5 0 0 6.35 3511.98
3350 0.5 0 0 6.3 1049.6
3351 0.5 0 0 7.95 1230.69
3352 0.5 0 0 10.875 527.66
3353 0.5 0 0 6.95 2852.76
3354 0.5 0 0 10.9 227.73
3355 0.5 0 0 8.75 1324.51
3356 0.5 0 0 5.75 4039.11
3357 0.5 0 0 5.95 704.24
3358 0.5 0 0 9.9 1486.12
3359 0.5 0 0 10.525 637.38
3360 0.5 0 0 6.65 713.23
3361 0.5 0 0 8.49 1607.81
3362 0.5 0 0 8.85 580.96
3363 0.5 0 0 7.95 1148.06
3364 0.5 0 0 7.85 1450.27
3365 0.5 0 0 10.25 509.69
3366 0.5 0 0 6.35 2175.47
3367 0.5 0 0 8 784.3
3368 0.5 0 0 7.25 1654.92
3369 0.5 0 0 5.9 1642.67
3370 0.5 0 0 7.55 810.98
3371 0.5 0 0 5.55 1181.43
3372 0.5 0 0 8.25 564.13
3373 0.5 0 0 7.6 1222.24
3374 0.5 0 0 9.75 967.79
3375 0.5 0 0 6.85 1186.76
3376 0.5 0 0 9.15 532.39
3377 0.5 0 0 10 951.33
3378 0.5 0 0 7.15 874.52
3379 0.5 0 0 5.625 2503.36
3380 0.5 0 0 6.65 2823.48
3381 0.5 0 0 10.275 458.33
3382 0.5 0 0 5.49 1422.63
3383 0.5 0 0 5.45 2895.27
3384 0.5 0 0 7.25 1611.93
3385 0.5 0 0 5.45 2146.83
3386 0.5 0 0 10 313.71
3387 0.5 0 0 5.85 1269.37
3388 0.5 0 0 7.1 1141.02
3389 0.5 0 0 11.05 367.82
3390 0.5 0 0 8.35 914.52
3391 0.5 0 0 6.49 2359.13
3392 0.5 0 0 6 1371.59
3393 0.5 0 0 7.48 1435.45
3394 0.5 0 0 7.2 773.56
3395 0.5 0 0 5.625 1610.17
3396 0.5 0 0 10.2 846.05
3397 0.5 0 0 9.25 812.76
3398 0.5 0 0 6.1 1781.86
3399 0.5 0 0 8 3460.11
3400 0.5 0 0 6.625 1472.2
3401 0.5 0 0 6 2491.67
3402 0.5 0 0 7.4 690.47
3403 0.5 0 0 6.275 3252
3404 0.5 0 0 6.65 2026.22
3405 0.5 0 0 9.2 2566.45
3406 0.5 0 0 6.85 937
3407 0.5 0 0 7.55 1173.71
3408 0.5 0 0 7.8 1026.51
3409 0.5 0 0 7.85 464.08
3410 0.5 0 0 7.275 1368.4
3411 0.5 0 0 8.3 1991.49
3412 0.5 0 0 5.975 4286.89
3413 0.5 0 0 7.85 1747.14
3414 0.5 0 0 11.49 1127.54
3415 0.5 0 0 6.49 1708.18
3416 0.5 0 0 7.45 1460.56
3417 0.5 0 0 10.9 648.56
3418 0.5 0 0 8.2 1231.48
3419 0.5 0 0 6.24 822.88
3420 0.5 0 0 7.8 712.59
3421 0.5 0 0 7.4 1139.27
3422 0.5 0 0 11.7 1096.24
3423 0.5 0 0 6.8 2358.36
3424 0.5 0 0 11.4 1071.97
3425 0.5 0 0 11.65 1811.98
3426 0.5 0 0 9.49 692.7
3427 0.5 0 0 5.9 1191.59
3428 0.5 0 0 11.15 542.95
3429 0.5 0 0 9.05 4028.29
3430 0.5 0 0 7.25 3152.21
3431 0.5 0 0 8.1 2849.52
3432 0.5 0 0 11.05 825.11
3433 0.5 0 0 8.65 1263.93
3434 0.5 0 0 6.275 988.02
3435 0.5 0 0 7.95 1064.63
3436 0.5 0 0 6.49 731.09
3437 0.5 0 0 6.5 1071.14
3438 0.5 0 0 8.5 731.12
3439 0.5 0 0 8.9 1025.29
3440 0.5 0 0 7.05 1208.54
3441 0.5 0 0 11.25 434.05
3442 0.5 0 0 9.65 850.91
3443 0.5 0 0 7.05 1770.66
3444 0.5 0 0 7.4 2316.69
3445 0.5 0 0 6.05 1080.11
3446 0.5 0 0 10.9 687.87
3447 0.5 0 0 6.95 2217.84
3448 0.5 0 0 7.65 2625.34
3449 0.5 0 0 6.45 906.87
3450 0.5 0 0 6.75 542.24
3451 0.5 0 0 7.45 2547.22
3452 0.5 0 0 6.05 1364.58
3453 0.5 0 0 9.75 645.19
3454 0.5 0 0 7.25 1329.66
3455 0.5 0 0 6.8 445.62
3456 0.5 0 0 6.3 1133.33
3457 0.5 0 0 6.05 1702.13
3458 0.5 0 0 7.25 3094.9
3459 0.5 0 0 6.7 889.21
3460 0.5 0 0 8.6 1242.1
3461 0.5 0 0 8.3 2503.59
3462 0.5 0 0 9 3859.52
3463 0.5 0 0 6.4 1119.62
3464 0.5 0 0 8.7 994.41
3465 0.5 0 0 7.4 1453.61
3466 0.5 0 0 6.3 878.8
3467 0.5 0 0 6.6 1424.71
3468 0.5 0 0 6.175 1481.02
3469 0.5 0 0 7.05 1573.92
3470 0.5 0 0 6.3 1101.75
3471 0.5 0 0 6.275 1666.65
3472 0.5 0 0 7.175 3323.59
3473 0.5 0 0 5.75 2524.44
3474 0.5 0 0 8.6 577.21
3475 0.5 0 0 7.49 1246.21
3476 0.5 0 0 6.85 2609.48
3477 0.5 0 0 11.2 1164.46
3478 0.5 0 0 8.6 1399.13
3479 0.5 0 0 7 978.2
3480 0.5 0 0 7.3 1069.01
3481 0.5 0 0 7 2925
3482 0.5 0 0 7.275 1314.2
3483 0.5 0 0 9.5 1317.41
3484 0.5 0 0 7.29 1240.94
3485 0.5 0 0 7.85 6066.47
3486 0.5 0 0 6.28 3390
3487 0.5 0 0 7.6 433.34
3488 0.5 0 0 11.95 526.37
3489 0.5 0 0 7.6 2148.17
3490 0.5 0 0 7.05 1327.99
3491 0.5 0 0 6.85 1205.7
3492 0.5 0 0 9.6 477.88
3493 0.5 0 0 8.275 1139.36
3494 0.5 0 0 8.9 733.37
3495 0.5 0 0 10 616.46
3496 0.5 0 0 7.425 1650.38
3497 0.5 0 0 10.375 1046.61
3498 0.5 0 0 8.2 1240.48
3499 0.5 0 0 7.175 1934.28
3500 0.5 0 0 8.625 1208.24
3501 0.5 0 0 10.9 1199.84
3502 0.5 0 0 6.475 2673.75
3503 0.5 0 0 7.5 2758.95
3504 0.5 0 0 6.9 3052.77
3505 0.5 0 0 7.85 4436.11
3506 0.5 0 0 6.49 1781.22
3507 0.5 0 0 10.525 517.19
3508 0.5 0 0 8.75 1427.35
3509 0.5 0 0 9.2 1668.2
3510 0.5 0 0 9.25 639.22
3511 0.5 0 0 9.5 421.24
3512 0.5 0 0 11.125 1019.84
3513 0.5 0 0 7.75 811.37
3514 0.5 0 0 7.4 2674.65
3515 0.5 0 0 7.375 725.07
3516 0.5 0 0 7.375 4921.87
3517 0.5 0 0 7 1852.92
3518 0.5 0 0 7.35 3323.17
3519 0.5 0 0 8.9 1485.12
3520 0.5 0 0 7.4 1773.41
3521 0.5 0 0 8.625 927.55
3522 0.5 0 0 8.65 2054.91
3523 0.5 0 0 7.7 2662.01
3524 0.5 0 0 6 1801.04
3525 0.5 0 0 6.95 3728.9
3526 0.5 0 0 9.4 127.58
3527 0.5 0 0 6.9 886.25
3528 0.5 0 0 12 357.44
3529 0.5 0 0 6.75 971.42
3530 0.5 0 0 8.275 465.21
3531 0.5 0 0 6.65 1404.85
3532 0.5 0 0 6.3 4193.33
3533 0.5 0 0 10.625 327.01
3534 0.5 0 0 10.025 128.41
3535 0.5 0 0 8.99 467.11
3536 0.5 0 0 5.7 2082.4
3537 0.5 0 0 6.1 1686.06
3538 0.5 0 0 7.75 1652.79
3539 0.5 0 0 6.2 1910.03
3540 0.5 0 0 6.5 1383.83
3541 0.5 0 0 9.49 359.51
3542 0.5 0 0 6.7 5061.42
3543 0.5 0 0 7.7 1233.8
3544 0.5 0 0 5.3 2122.8
3545 0.5 0 0 10.875 559.04
3546 0.5 0 0 8.625 738.22
3547 0.5 0 0 6.65 1977.6
3548 0.5 0 0 6 2990
3549 0.5 0 0 6.15 1449.15
3550 0.5 0 0 6.4 4144.6
3551 0.5 0 0 6.75 2271.65
3552 0.5 0 0 10.49 696.55
3553 0.5 0 0 10.9 1770.77
3554 0.5 0 0 8.49 260.47
3555 0.5 0 0 10.65 655.3
3556 0.5 0 0 7.25 2063.27
3557 0.5 0 0 7.49 1759.37
3558 0.5 0 0 10.27 794.74
3559 0.5 0 0 10.025 1164.1
3560 0.5 0 0 8.78 915.59
3561 0.5 0 0 7.95 979.68
3562 0.5 0 0 7.1 2626.6
3563 0.5 0 0 8.49 205
3564 0.5 0 0 11.45 1465.42
3565 0.5 0 0 7 2608.08
3566 0.5 0 0 7 5129.44
3567 0.5 0 0 7.39 1009.3
3568 0.5 0 0 8.49 647.95
3569 0.5 0 0 11.125 563.89
3570 0.5 0 0 6.9 736.42
3571 0.5 0 0 8.65 505.58
3572 0.5 0 0 6.7 1444.47
3573 0.5 0 0 8.49 1946.82
3574 0.5 0 0 6.25 1099.62
3575 0.5 0 0 6.65 999.61
3576 0.5 0 0 9.475 481.65
3577 0.5 0 0 9 824.04
3578 0.5 0 0 5.6 2084.17
3579 0.5 0 0 8.79 754.58
3580 0.5 0 0 6.45 866.43
3581 0.5 0 0 9.475 277.45
3582 0.5 0 0 5.65 1188.04
3583 0.5 0 0 5.75 3162.5
3584 0.5 0 0 5.625 2031.72
3585 0.5 0 0 6.025 1343.47
3586 0.5 0 0 9 857.67
3587 0.5 0 0 5.2 3468.18
3588 0.5 0 0 7 2461.24
3589 0.5 0 0 6.625 5046.87
3590 0.5 0 0 6.875 759.75
3591 0.5 0 0 6.4 1211.83
3592 0.5 0 0 11.49 257.9
3593 0.5 0 0 6.65 1783.08
3594 0.5 0 0 5.3 2059
3595 0.5 0 0 11.2 194.9
3596 0.5 0 0 7.55 958.43
3597 0.5 0 0 6.45 4343.75
3598 0.5 0 0 9 553.29
3599 0.5 0 0 6.25 2334.95
3600 0.5 0 0 6.1 1992.62
3601 0.5 0 0 7.75 1295.93
3602 0.5 0 0 9 360.4
3603 0.5 0 0 5.95 1760.6
3604 0.5 0 0 5.4 1637.56
3605 0.5 0 0 6.65 1256.26
3606 0.5 0 0 8 626.67
3607 0.5 0 0 8.87 581.98
3608 0.5 0 0 6.6 2607.49
3609 0.5 0 0 8.05 617.97
3610 0.5 0 0 9.7 1907.48
3611 0.5 0 0 5.49 873.37
3612 0.5 0 0 8.49 351.64
3613 0.5 0 0 6.45 1112.08
3614 0.5 0 0 7.1 868.43
3615 0.5 0 0 7.1 1271.73
3616 0.5 0 0 6.85 1309.05
3617 0.5 0 0 9.525 363.96
3618 0.5 0 0 5.35 1268.38
3619 0.5 0 0 6.15 1027.15
3620 0.5 0 0 6.55 1872.26
3621 0.5 0 0 6.05 940.34
3622 0.5 0 0 10.275 725.85
3623 0.5 0 0 5.8 1750.77
3624 0.5 0 0 8.75 157.49
3625 0.5 0 0 10.525 496.2
3626 0.5 0 0 8.03 491.54
3627 0.5 0 0 6.49 2573.19
3628 0.5 0 0 9.5 614.31
3629 0.5 0 0 5.95 792.27
3630 0.5 0 0 7.49 1038.02
3631 0.5 0 0 7.7 747.76
3632 0.5 0 0 8.4 669.85
3633 0.5 0 0 6.9 1815.47
3634 0.5 0 0 9.2 1187.46
3635 0.5 0 0 7.49 5498.01
3636 0.5 0 0 4.95 816.89
3637 0.5 0 0 5.49 2257.89
3638 0.5 0 0 8.9 258.41
3639 0.5 0 0 9.775 412.89
3640 0.5 0 0 8.49 447.38
3641 0.5 0 0 5.95 974.62
3642 0.5 0 0 7.4 3793.93
3643 0.5 0 0 6.15 1550.99
3644 0.5 0 0 5.95 1070.7
3645 0.5 0 0 4.75 2131.51
3646 0.5 0 0 8.49 559.52
3647 0.5 0 0 7 3854.42
3648 0.5 0 0 7.45 759.5
3649 0.5 0 0 9.49 482.26
3650 0.5 0 0 10.275 243.2
3651 0.5 0 0 6.49 564.94
3652 0.5 0 0 7.875 1845.24
Loan Number Current PI Origination Dates First Pay Date Maturity Date
----------- ---------- ----------------- -------------- -------------
1 912.76 9/28/2005 11/1/2005 10/1/2035
2 778.29 10/17/2005 12/1/2005 11/1/2035
3 1499.21 9/29/2005 11/1/2005 10/1/2035
4 931.89 9/21/2005 11/1/2005 10/1/2035
5 1279.36 2/10/2005 4/1/2005 3/1/2035
6 2555.23 5/19/2005 7/1/2005 6/1/2035
7 1922.44 6/8/2005 7/1/2005 6/1/2035
8 1018.43 8/9/2005 10/1/2005 9/1/2035
9 685.91 7/29/2005 9/1/2005 8/1/2035
10 790.27 8/19/2005 10/1/2005 9/1/2035
11 863.27 8/17/2005 10/1/2005 9/1/2035
12 2078.94 7/29/2005 9/1/2005 8/1/2035
13 1479.58 7/26/2005 9/1/2005 8/1/2035
14 625.43 7/26/2005 9/1/2005 8/1/2020
15 985.8 7/14/2005 9/1/2005 8/1/2035
16 762.58 7/21/2005 9/1/2005 8/1/2035
17 394.67 8/2/2005 9/1/2005 8/1/2035
18 991.3 8/26/2005 10/1/2005 9/1/2035
19 2279.82 7/29/2005 9/1/2005 8/1/2035
20 742.5 7/20/2005 9/1/2005 8/1/2035
21 554.09 9/13/2005 11/1/2005 10/1/2035
22 734.36 8/15/2005 10/1/2005 9/1/2035
23 837.35 8/31/2005 10/1/2005 9/1/2035
24 3148.16 7/29/2005 9/1/2005 8/1/2035
25 784.09 7/8/2005 9/1/2005 8/1/2020
26 3250 8/15/2005 10/1/2005 9/1/2035
27 995.88 8/5/2005 9/1/2005 8/1/2035
28 1229.06 8/18/2005 10/1/2005 9/1/2035
29 2510.83 7/29/2005 9/1/2005 8/1/2035
30 944.69 7/21/2005 9/1/2005 8/1/2035
31 334.79 7/21/2005 9/1/2005 8/1/2020
32 2583.75 7/26/2005 9/1/2005 8/1/2035
33 1002.72 7/27/2005 9/1/2005 8/1/2020
34 1386.67 8/16/2005 10/1/2005 9/1/2035
35 633.79 8/16/2005 10/1/2005 9/1/2020
36 1420.8 8/9/2005 10/1/2005 9/1/2035
37 2340 7/22/2005 9/1/2005 8/1/2035
38 477.81 8/26/2005 10/1/2005 9/1/2035
39 833.38 8/4/2005 9/1/2005 8/1/2020
40 1674.17 9/7/2005 10/1/2005 9/1/2035
41 2816.67 8/10/2005 10/1/2005 9/1/2035
42 279.03 8/1/2005 10/1/2005 9/1/2020
43 1691.59 7/27/2005 9/1/2005 8/1/2035
44 4106.65 8/17/2005 10/1/2005 9/1/2035
45 879.32 7/28/2005 9/1/2005 8/1/2035
46 1490.81 7/28/2005 9/1/2005 8/1/2035
47 1296.74 8/9/2005 9/1/2005 8/1/2035
48 1494.92 8/23/2005 10/1/2005 9/1/2035
49 1246.17 8/9/2005 9/1/2005 8/1/2035
50 875.65 9/15/2005 11/1/2005 10/1/2035
51 2528.96 8/30/2005 10/1/2005 9/1/2035
52 891.24 9/27/2005 11/1/2005 10/1/2035
53 1591.81 8/12/2005 10/1/2005 9/1/2035
54 1708.91 8/25/2005 10/1/2005 9/1/2035
55 2224.71 8/31/2005 10/1/2005 9/1/2035
56 3162.5 8/1/2005 9/1/2005 8/1/2035
57 847.68 8/23/2005 10/1/2005 9/1/2035
58 2347.92 8/16/2005 10/1/2005 9/1/2035
59 3105.67 7/28/2005 9/1/2005 8/1/2035
60 2357.5 8/4/2005 9/1/2005 8/1/2035
61 1284.41 7/29/2005 9/1/2005 8/1/2035
62 469.61 9/19/2005 11/1/2005 10/1/2020
63 542.5 7/25/2005 9/1/2005 8/1/2035
64 1208.33 8/17/2005 10/1/2005 9/1/2035
65 1717.99 8/22/2005 10/1/2005 9/1/2035
66 1753.11 7/29/2005 9/1/2005 8/1/2035
67 671.04 8/29/2005 10/1/2005 9/1/2035
68 611.58 8/8/2005 10/1/2005 9/1/2035
69 3160.19 8/19/2005 10/1/2005 9/1/2035
70 518.53 7/29/2005 9/1/2005 8/1/2020
71 888.25 8/3/2005 9/1/2005 8/1/2035
72 512.58 9/7/2005 11/1/2005 10/1/2035
73 1367.72 8/16/2005 10/1/2005 9/1/2035
74 2592.5 8/19/2005 10/1/2005 9/1/2035
75 1184.94 8/19/2005 10/1/2005 9/1/2020
76 2608.04 8/15/2005 10/1/2005 9/1/2035
77 729.17 8/26/2005 10/1/2005 9/1/2035
78 1118.74 9/2/2005 10/1/2005 9/1/2035
79 720.39 8/25/2005 10/1/2005 9/1/2035
80 1799.94 8/19/2005 10/1/2005 9/1/2035
81 1433.39 9/8/2005 10/1/2005 9/1/2035
82 1561.1 8/11/2005 10/1/2005 9/1/2035
83 1538.33 8/12/2005 10/1/2005 9/1/2035
84 675.61 8/12/2005 10/1/2005 9/1/2020
85 2013.63 8/10/2005 10/1/2005 9/1/2035
86 974.65 8/4/2005 9/1/2005 8/1/2035
87 2112 8/23/2005 10/1/2005 9/1/2035
88 1343.33 8/8/2005 10/1/2005 9/1/2035
89 1259.55 8/24/2005 10/1/2005 9/1/2020
90 1188.15 8/16/2005 10/1/2005 9/1/2035
91 508.54 8/16/2005 10/1/2005 9/1/2020
92 662.98 8/11/2005 10/1/2005 9/1/2020
93 2257.43 7/29/2005 9/1/2005 8/1/2035
94 1542.52 8/24/2005 10/1/2005 9/1/2035
95 2955.44 8/18/2005 10/1/2005 9/1/2035
96 722.91 8/4/2005 10/1/2005 9/1/2020
97 823.27 9/30/2005 11/1/2005 10/1/2020
98 889.03 8/22/2005 10/1/2005 9/1/2035
99 1060.73 8/12/2005 10/1/2005 9/1/2035
100 2325.78 8/31/2005 10/1/2005 9/1/2035
101 1625 8/30/2005 10/1/2005 9/1/2035
102 1233.1 8/22/2005 10/1/2005 9/1/2035
103 623.7 9/8/2005 10/1/2005 9/1/2035
104 1170 8/22/2005 10/1/2005 9/1/2035
105 440.7 8/31/2005 10/1/2005 9/1/2035
106 866.56 8/23/2005 10/1/2005 9/1/2035
107 1987.5 9/30/2005 11/1/2005 10/1/2035
108 630.64 8/30/2005 10/1/2005 9/1/2020
109 970.69 8/16/2005 10/1/2005 9/1/2035
110 1353.73 8/25/2005 10/1/2005 9/1/2035
111 547.82 8/25/2005 10/1/2005 9/1/2020
112 1450.51 9/1/2005 10/1/2005 9/1/2035
113 1111.25 9/8/2005 10/1/2005 9/1/2035
114 736.05 5/27/2005 7/1/2005 6/1/2035
115 673.43 6/7/2005 8/1/2005 7/1/2035
116 441.78 7/20/2005 9/1/2005 8/1/2035
117 777.46 8/11/2005 10/1/2005 9/1/2035
118 3431.6 9/13/2005 10/1/2005 9/1/2035
119 1408.47 9/13/2005 10/1/2005 9/1/2035
120 917.21 9/23/2005 11/1/2005 10/1/2035
121 1396.24 10/3/2005 12/1/2005 11/1/2035
122 578.81 6/28/2005 8/1/2005 7/1/2035
123 1270.84 10/7/2005 11/1/2005 10/1/2035
124 4669.64 10/21/2005 11/1/2005 10/1/2035
125 2037.34 10/13/2005 12/1/2005 11/1/2035
126 785.13 9/16/2005 11/1/2005 10/1/2035
127 1744 8/8/2005 9/1/2005 8/1/2035
128 600.07 7/20/2005 9/1/2005 8/1/2020
129 489.84 9/13/2005 11/1/2005 10/1/2035
130 280.23 9/22/2005 11/1/2005 10/1/2020
131 3676.5 9/2/2005 10/1/2005 9/1/2035
132 1538.51 9/21/2005 11/1/2005 10/1/2035
133 1039.76 9/26/2005 11/1/2005 10/1/2035
134 1596.37 9/29/2005 11/1/2005 10/1/2035
135 806.44 9/28/2005 11/1/2005 10/1/2035
136 1791.74 10/27/2005 12/1/2005 11/1/2035
137 946.05 10/27/2005 12/1/2005 11/1/2035
138 645.2 10/20/2005 12/1/2005 11/1/2035
139 875.73 10/17/2005 12/1/2005 11/1/2035
140 385.33 10/26/2005 12/1/2005 11/1/2035
141 584.6 10/3/2005 12/1/2005 11/1/2035
142 743.8 8/31/2005 10/1/2005 9/1/2020
143 475.13 9/13/2005 11/1/2005 10/1/2035
144 1190 9/8/2005 10/1/2005 9/1/2035
145 349.3 10/14/2005 12/1/2005 11/1/2020
146 2317.22 9/7/2005 10/1/2005 9/1/2035
147 939.69 9/28/2005 11/1/2005 10/1/2035
148 2038.21 8/31/2005 10/1/2005 9/1/2035
149 2140.11 7/28/2005 9/1/2005 8/1/2035
150 680.87 9/15/2005 11/1/2005 10/1/2035
151 4144.05 8/30/2005 10/1/2005 9/1/2035
152 973.85 9/28/2005 11/1/2005 10/1/2035
153 4625 10/7/2005 12/1/2005 11/1/2035
154 722.06 10/5/2005 12/1/2005 11/1/2035
155 382.85 10/14/2005 12/1/2005 11/1/2035
156 537.91 10/27/2005 12/1/2005 11/1/2035
157 825 10/7/2005 12/1/2005 11/1/2035
158 1909.17 10/5/2005 12/1/2005 11/1/2035
159 1809.28 10/5/2005 12/1/2005 11/1/2035
160 1369.33 10/14/2005 12/1/2005 11/1/2035
161 375.22 10/28/2005 12/1/2005 11/1/2035
162 1654.87 10/6/2005 12/1/2005 11/1/2035
163 729.39 10/14/2005 12/1/2005 11/1/2035
164 352.09 10/7/2005 12/1/2005 11/1/2035
165 1632 10/11/2005 12/1/2005 11/1/2035
166 1141.54 10/7/2005 12/1/2005 11/1/2035
167 273.99 10/14/2005 12/1/2005 11/1/2035
168 1001.56 10/5/2005 12/1/2005 11/1/2035
169 1630.13 10/19/2005 12/1/2005 11/1/2035
170 844.15 10/7/2005 12/1/2005 11/1/2035
171 776.61 10/7/2005 12/1/2005 11/1/2035
172 1412.15 10/7/2005 12/1/2005 11/1/2035
173 624.75 10/6/2005 12/1/2005 11/1/2035
174 3561.67 10/13/2005 12/1/2005 11/1/2035
175 1070.54 10/7/2005 12/1/2005 11/1/2035
176 483.96 10/13/2005 12/1/2005 11/1/2035
177 2650.54 10/12/2005 12/1/2005 11/1/2035
178 2688.17 10/17/2005 12/1/2005 11/1/2035
179 1411 10/6/2005 12/1/2005 11/1/2035
180 1138.91 10/20/2005 12/1/2005 11/1/2035
181 878.58 10/14/2005 12/1/2005 11/1/2035
182 2387.2 10/6/2005 12/1/2005 11/1/2035
183 953.54 10/21/2005 12/1/2005 11/1/2035
184 1760.8 10/21/2005 12/1/2005 11/1/2035
185 274.66 10/5/2005 12/1/2005 11/1/2010
186 278.16 10/21/2005 12/1/2005 11/1/2035
187 4288.33 10/14/2005 12/1/2005 11/1/2035
188 1197.08 10/19/2005 12/1/2005 11/1/2035
189 427.4 10/21/2005 12/1/2005 11/1/2035
190 1482.36 10/20/2005 12/1/2005 11/1/2035
191 82.4 10/26/2005 12/1/2005 11/1/2015
192 1784.19 10/7/2005 12/1/2005 11/1/2035
193 501.15 10/14/2005 12/1/2005 11/1/2035
194 1188.3 10/19/2005 12/1/2005 11/1/2035
195 497.42 10/6/2005 12/1/2005 11/1/2035
196 336.35 10/5/2005 12/1/2005 11/1/2035
197 1853.46 10/11/2005 12/1/2005 11/1/2035
198 428.84 10/19/2005 12/1/2005 11/1/2035
199 2126.82 10/19/2005 12/1/2005 11/1/2035
200 666.1 10/11/2005 12/1/2005 11/1/2035
201 402.16 10/7/2005 12/1/2005 11/1/2035
202 5529.4 10/7/2005 12/1/2005 11/1/2035
203 3055.91 10/21/2005 12/1/2005 11/1/2035
204 1048.83 10/10/2005 12/1/2005 11/1/2035
205 869.06 10/14/2005 12/1/2005 11/1/2035
206 2135.82 10/13/2005 12/1/2005 11/1/2035
207 2604 10/13/2005 12/1/2005 11/1/2035
208 663.12 10/19/2005 12/1/2005 11/1/2035
209 400.71 10/27/2005 12/1/2005 11/1/2035
210 1044.93 10/13/2005 12/1/2005 11/1/2035
211 1101.39 10/14/2005 12/1/2005 11/1/2035
212 745.72 10/12/2005 12/1/2005 11/1/2035
213 710.2 10/21/2005 12/1/2005 11/1/2035
214 863.82 10/7/2005 12/1/2005 11/1/2035
215 1299.35 10/12/2005 12/1/2005 11/1/2035
216 628.62 10/6/2005 12/1/2005 11/1/2035
217 289.03 10/12/2005 12/1/2005 11/1/2035
218 1407.49 10/13/2005 12/1/2005 11/1/2035
219 132.99 10/12/2005 12/1/2005 11/1/2015
220 403.35 10/18/2005 12/1/2005 11/1/2035
221 185.9 10/14/2005 12/1/2005 11/1/2020
222 599.43 10/19/2005 12/1/2005 11/1/2035
223 467.72 10/12/2005 12/1/2005 11/1/2035
224 762.5 10/11/2005 12/1/2005 11/1/2035
225 425.91 10/12/2005 12/1/2005 11/1/2035
226 874.31 10/19/2005 12/1/2005 11/1/2035
227 854.04 10/19/2005 12/1/2005 11/1/2035
228 2292.98 10/7/2005 12/1/2005 11/1/2035
229 611.71 10/13/2005 12/1/2005 11/1/2035
230 1406.25 10/14/2005 12/1/2005 11/1/2035
231 442.42 10/11/2005 12/1/2005 11/1/2035
232 2691.2 10/17/2005 12/1/2005 11/1/2035
233 687.33 10/18/2005 12/1/2005 11/1/2035
234 882.9 10/13/2005 12/1/2005 11/1/2035
235 2319.17 10/14/2005 12/1/2005 11/1/2035
236 5250 10/17/2005 12/1/2005 11/1/2035
237 1927.21 10/17/2005 12/1/2005 11/1/2035
238 2287.03 10/24/2005 12/1/2005 11/1/2035
239 1562.5 10/14/2005 12/1/2005 11/1/2035
240 1726.89 10/24/2005 12/1/2005 11/1/2035
241 1428 10/14/2005 12/1/2005 11/1/2035
242 1225.34 10/12/2005 12/1/2005 11/1/2035
243 2049.9 10/18/2005 12/1/2005 11/1/2035
244 6871.69 10/19/2005 12/1/2005 11/1/2035
245 731.8 10/20/2005 12/1/2005 11/1/2035
246 2575.31 10/13/2005 12/1/2005 11/1/2035
247 168.31 10/19/2005 12/1/2005 11/1/2015
248 732.92 10/28/2005 12/1/2005 11/1/2035
249 255.26 10/25/2005 12/1/2005 11/1/2020
250 1226.88 10/28/2005 12/1/2005 11/1/2035
251 2426.67 10/11/2005 12/1/2005 11/1/2035
252 854.04 10/12/2005 12/1/2005 11/1/2035
253 2064.61 10/17/2005 12/1/2005 11/1/2035
254 573.7 10/18/2005 12/1/2005 11/1/2035
255 618.37 10/14/2005 12/1/2005 11/1/2035
256 1159.74 10/12/2005 12/1/2005 11/1/2035
257 825.83 10/13/2005 12/1/2005 11/1/2035
258 580.71 10/14/2005 12/1/2005 11/1/2035
259 1684.67 10/13/2005 12/1/2005 11/1/2035
260 1314.18 10/18/2005 12/1/2005 11/1/2035
261 365.11 10/12/2005 12/1/2005 11/1/2035
262 665.4 10/18/2005 12/1/2005 11/1/2035
263 565.59 10/14/2005 12/1/2005 11/1/2035
264 794.34 10/28/2005 12/1/2005 11/1/2035
265 396.06 10/19/2005 12/1/2005 11/1/2035
266 1248.8 10/21/2005 12/1/2005 11/1/2035
267 2030.05 10/25/2005 12/1/2005 11/1/2035
268 1088.83 10/19/2005 12/1/2005 11/1/2035
269 1325.09 10/21/2005 12/1/2005 11/1/2035
270 2093.72 10/24/2005 12/1/2005 11/1/2035
271 549.86 10/28/2005 12/1/2005 11/1/2035
272 510.37 10/14/2005 12/1/2005 11/1/2035
273 1451.68 10/28/2005 12/1/2005 11/1/2035
274 394.15 10/13/2005 12/1/2005 11/1/2035
275 4271.76 10/18/2005 12/1/2005 11/1/2035
276 774.28 10/19/2005 12/1/2005 11/1/2035
277 274.99 10/28/2005 12/1/2005 11/1/2035
278 1017.24 10/13/2005 12/1/2005 11/1/2035
279 1205.68 10/18/2005 12/1/2005 11/1/2035
280 78.88 10/17/2005 12/1/2005 11/1/2015
281 666.66 10/14/2005 12/1/2005 11/1/2035
282 719.01 10/28/2005 12/1/2005 11/1/2035
283 710.41 10/20/2005 12/1/2005 11/1/2035
284 761.25 10/11/2005 12/1/2005 11/1/2035
285 238.62 10/26/2005 12/1/2005 11/1/2010
286 2337.5 10/14/2005 12/1/2005 11/1/2035
287 410.04 10/17/2005 12/1/2005 11/1/2035
288 3409.56 10/19/2005 12/1/2005 11/1/2035
289 87.53 10/21/2005 12/1/2005 11/1/2015
290 852.61 10/17/2005 12/1/2005 11/1/2035
291 5051.83 10/25/2005 12/1/2005 11/1/2035
292 1317.95 10/18/2005 12/1/2005 11/1/2035
293 1862.12 10/21/2005 12/1/2005 11/1/2035
294 1034.26 10/19/2005 12/1/2005 11/1/2035
295 2226.98 10/21/2005 12/1/2005 11/1/2035
296 1666.67 10/19/2005 12/1/2005 11/1/2035
297 961.15 10/21/2005 12/1/2005 11/1/2035
298 2163.85 10/27/2005 12/1/2005 11/1/2035
299 710.41 10/14/2005 12/1/2005 11/1/2035
300 1500.79 10/21/2005 12/1/2005 11/1/2035
301 233.24 10/25/2005 12/1/2005 11/1/2035
302 1661.58 10/21/2005 12/1/2005 11/1/2035
303 1954.02 10/19/2005 12/1/2005 11/1/2035
304 2513.33 10/18/2005 12/1/2005 11/1/2035
305 1119.83 10/24/2005 12/1/2005 11/1/2035
306 837.38 10/21/2005 12/1/2005 11/1/2035
307 996.62 10/18/2005 12/1/2005 11/1/2035
308 311.76 10/21/2005 12/1/2005 11/1/2035
309 627.41 10/25/2005 12/1/2005 11/1/2035
310 974.73 10/18/2005 12/1/2005 11/1/2035
311 800.4 10/20/2005 12/1/2005 11/1/2035
312 748.82 10/21/2005 12/1/2005 11/1/2035
313 682.45 10/17/2005 12/1/2005 11/1/2035
314 2235.21 10/18/2005 12/1/2005 11/1/2035
315 1093.12 10/18/2005 12/1/2005 11/1/2035
316 952.24 10/18/2005 12/1/2005 11/1/2035
317 512.83 10/27/2005 12/1/2005 11/1/2035
318 559.65 10/21/2005 12/1/2005 11/1/2035
319 748.44 10/18/2005 12/1/2005 11/1/2035
320 1605.46 10/26/2005 12/1/2005 11/1/2035
321 3269.68 10/25/2005 12/1/2005 11/1/2035
322 2206.37 10/26/2005 12/1/2005 11/1/2035
323 1080 10/26/2005 12/1/2005 11/1/2035
324 1195.08 10/26/2005 12/1/2005 11/1/2035
325 1802.36 10/24/2005 12/1/2005 11/1/2035
326 1109.83 10/20/2005 12/1/2005 11/1/2035
327 1060.97 10/24/2005 12/1/2005 11/1/2035
328 440.14 10/21/2005 12/1/2005 11/1/2035
329 1086.58 10/20/2005 12/1/2005 11/1/2035
330 821.76 10/26/2005 12/1/2005 11/1/2020
331 420.88 10/26/2005 12/1/2005 11/1/2035
332 489.33 10/26/2005 12/1/2005 11/1/2035
333 4039.57 10/25/2005 12/1/2005 11/1/2035
334 628.42 10/27/2005 12/1/2005 11/1/2035
335 665.94 10/25/2005 12/1/2005 11/1/2035
336 649.92 10/28/2005 12/1/2005 11/1/2035
337 1073.95 10/24/2005 12/1/2005 11/1/2035
338 970.76 10/24/2005 12/1/2005 11/1/2035
339 440.83 10/21/2005 12/1/2005 11/1/2035
340 4395.5 10/24/2005 12/1/2005 11/1/2035
341 610.97 10/21/2005 12/1/2005 11/1/2035
342 1540.83 10/21/2005 12/1/2005 11/1/2035
343 1150 10/24/2005 12/1/2005 11/1/2035
344 1263.21 10/24/2005 12/1/2005 11/1/2035
345 1977.03 10/21/2005 12/1/2005 11/1/2035
346 279.71 9/27/2005 12/1/2005 11/1/2035
347 601.83 10/24/2005 12/1/2005 11/1/2035
348 2187.4 9/26/2005 11/1/2005 10/1/2035
349 945.2 10/13/2005 12/1/2005 11/1/2035
350 959.93 10/13/2005 12/1/2005 11/1/2035
351 497.89 9/30/2005 11/1/2005 10/1/2035
352 241.18 10/21/2005 12/1/2005 11/1/2035
353 572.38 10/21/2005 12/1/2005 11/1/2035
354 109.36 10/11/2005 12/1/2005 11/1/2015
355 736.42 10/11/2005 12/1/2005 11/1/2035
356 166.8 10/19/2005 12/1/2005 11/1/2010
357 2563.62 10/20/2005 12/1/2005 11/1/2035
358 576.86 10/27/2005 12/1/2005 11/1/2035
359 1084.45 10/21/2005 12/1/2005 11/1/2035
360 200.98 10/28/2005 12/1/2005 11/1/2035
361 1964.92 10/13/2005 12/1/2005 11/1/2035
362 263.25 10/21/2005 12/1/2005 11/1/2035
363 706.68 10/21/2005 12/1/2005 11/1/2035
364 1403.05 10/26/2005 12/1/2005 11/1/2035
365 713.71 10/12/2005 12/1/2005 11/1/2035
366 645.28 10/28/2005 12/1/2005 11/1/2035
367 94.57 10/14/2005 12/1/2005 11/1/2015
368 264.43 10/11/2005 12/1/2005 11/1/2035
369 473.14 10/27/2005 12/1/2005 11/1/2035
370 1096.19 10/11/2005 12/1/2005 11/1/2035
371 391.14 10/11/2005 12/1/2005 11/1/2035
372 597 10/17/2005 12/1/2005 11/1/2035
373 454.85 10/20/2005 12/1/2005 11/1/2035
374 1376.4 10/20/2005 12/1/2005 11/1/2035
375 214.7 10/13/2005 12/1/2005 11/1/2020
376 306.44 10/22/2005 12/1/2005 11/1/2035
377 1070.06 10/14/2005 12/1/2005 11/1/2035
378 117.39 10/14/2005 12/1/2005 11/1/2015
379 173.7 10/27/2005 12/1/2005 11/1/2020
380 3057.31 10/20/2005 12/1/2005 11/1/2035
381 838.05 10/20/2005 12/1/2005 11/1/2035
382 339.71 10/14/2005 12/1/2005 11/1/2035
383 891.36 10/20/2005 12/1/2005 11/1/2035
384 648.88 10/12/2005 12/1/2005 11/1/2035
385 771.75 10/14/2005 12/1/2005 11/1/2035
386 400.97 10/18/2005 12/1/2005 11/1/2035
387 1606.33 10/24/2005 12/1/2005 11/1/2035
388 354.54 10/7/2005 12/1/2005 11/1/2035
389 698.95 10/14/2005 12/1/2005 11/1/2035
390 251.1 10/26/2005 12/1/2005 11/1/2020
391 241.9 10/12/2005 12/1/2005 11/1/2035
392 1542.75 10/17/2005 12/1/2005 11/1/2035
393 559.38 10/24/2005 12/1/2005 11/1/2035
394 1035.82 10/21/2005 12/1/2005 11/1/2035
395 1895.9 10/17/2005 12/1/2005 11/1/2035
396 321.56 10/20/2005 12/1/2005 11/1/2035
397 1663.68 10/13/2005 12/1/2005 11/1/2035
398 596.85 10/28/2005 12/1/2005 11/1/2035
399 157.36 10/12/2005 12/1/2005 11/1/2015
400 1333.68 10/13/2005 12/1/2005 11/1/2035
401 222.83 10/27/2005 12/1/2005 11/1/2035
402 846.71 10/24/2005 12/1/2005 11/1/2035
403 458.79 10/27/2005 12/1/2005 11/1/2035
404 1090.36 10/13/2005 12/1/2005 11/1/2035
405 435.82 10/25/2005 12/1/2005 11/1/2035
406 173.6 10/21/2005 12/1/2005 11/1/2015
407 1256.02 10/20/2005 12/1/2005 11/1/2035
408 611.52 10/21/2005 12/1/2005 11/1/2035
409 524.14 10/20/2005 12/1/2005 11/1/2020
410 988.84 10/20/2005 12/1/2005 11/1/2035
411 313.91 10/21/2005 12/1/2005 11/1/2035
412 340.73 10/10/2005 12/1/2005 11/1/2035
413 1903.02 10/14/2005 12/1/2005 11/1/2035
414 927.03 10/28/2005 12/1/2005 11/1/2035
415 2205.24 10/18/2005 12/1/2005 11/1/2035
416 1114 10/14/2005 12/1/2005 11/1/2035
417 1369.12 10/14/2005 12/1/2005 11/1/2035
418 692.3 10/19/2005 12/1/2005 11/1/2035
419 1151.28 10/20/2005 12/1/2005 11/1/2035
420 341.39 10/28/2005 12/1/2005 11/1/2035
421 116.53 10/21/2005 12/1/2005 11/1/2020
422 1457.8 10/20/2005 12/1/2005 11/1/2035
423 1262.8 10/14/2005 12/1/2005 11/1/2035
424 319.17 10/14/2005 12/1/2005 11/1/2035
425 471.8 10/27/2005 12/1/2005 11/1/2035
426 1356.39 10/21/2005 12/1/2005 11/1/2035
427 168.62 10/27/2005 12/1/2005 11/1/2020
428 245.2 10/17/2005 12/1/2005 11/1/2035
429 286.73 10/28/2005 12/1/2005 11/1/2035
430 1049.76 10/21/2005 12/1/2005 11/1/2035
431 132.95 10/17/2005 12/1/2005 11/1/2015
432 2026.6 10/19/2005 12/1/2005 11/1/2035
433 657.63 10/14/2005 12/1/2005 11/1/2035
434 191.21 10/19/2005 12/1/2005 11/1/2015
435 4469.86 10/21/2005 12/1/2005 11/1/2035
436 143.11 10/26/2005 12/1/2005 11/1/2015
437 138.71 10/21/2005 12/1/2005 11/1/2015
438 1163.5 10/21/2005 12/1/2005 11/1/2035
439 2689.52 10/24/2005 12/1/2005 11/1/2035
440 907.27 10/19/2005 12/1/2005 11/1/2035
441 1358.5 10/20/2005 12/1/2005 11/1/2035
442 177.85 10/19/2005 12/1/2005 11/1/2015
443 620.7 10/20/2005 12/1/2005 11/1/2035
444 115.62 10/18/2005 12/1/2005 11/1/2015
445 266.05 10/17/2005 12/1/2005 11/1/2035
446 846.25 10/18/2005 12/1/2005 11/1/2035
447 621.57 10/14/2005 12/1/2005 11/1/2035
448 799.32 10/17/2005 12/1/2005 11/1/2035
449 741.38 10/20/2005 12/1/2005 11/1/2035
450 4740.52 10/18/2005 12/1/2005 11/1/2035
451 388.33 10/21/2005 12/1/2005 11/1/2035
452 4461.2 10/25/2005 12/1/2005 11/1/2035
453 347.51 10/21/2005 12/1/2005 11/1/2035
454 848.12 10/24/2005 12/1/2005 11/1/2035
455 566.56 10/17/2005 12/1/2005 11/1/2035
456 639.4 10/25/2005 12/1/2005 11/1/2035
457 1053.83 10/25/2005 12/1/2005 11/1/2035
458 870.2 10/17/2005 12/1/2005 11/1/2035
459 254.04 10/12/2005 12/1/2005 11/1/2035
460 339.79 10/21/2005 12/1/2005 11/1/2035
461 782.32 10/25/2005 12/1/2005 11/1/2035
462 460.96 10/21/2005 12/1/2005 11/1/2035
463 257.77 10/25/2005 12/1/2005 11/1/2020
464 1182.85 10/21/2005 12/1/2005 11/1/2035
465 398.03 10/25/2005 12/1/2005 11/1/2025
466 834.58 10/18/2005 12/1/2005 11/1/2035
467 1162.89 10/24/2005 12/1/2005 11/1/2035
468 1209.63 10/21/2005 12/1/2005 11/1/2035
469 935.3 10/26/2005 12/1/2005 11/1/2035
470 305.14 10/18/2005 12/1/2005 11/1/2035
471 250.08 10/25/2005 12/1/2005 11/1/2035
472 1697.09 10/21/2005 12/1/2005 11/1/2035
473 946.17 10/24/2005 12/1/2005 11/1/2035
474 1031.98 10/26/2005 12/1/2005 11/1/2035
475 809.12 10/18/2005 12/1/2005 11/1/2035
476 1414.87 10/14/2005 12/1/2005 11/1/2035
477 494.43 10/14/2005 12/1/2005 11/1/2035
478 272.37 10/18/2005 12/1/2005 11/1/2035
479 201.07 10/21/2005 12/1/2005 11/1/2020
480 1055.62 10/21/2005 12/1/2005 11/1/2035
481 1435.84 10/21/2005 12/1/2005 11/1/2035
482 286.58 10/13/2005 12/1/2005 11/1/2035
483 830.21 10/28/2005 12/1/2005 11/1/2035
484 1935.77 10/19/2005 12/1/2005 11/1/2035
485 988.37 10/21/2005 12/1/2005 11/1/2035
486 1151.45 10/21/2005 12/1/2005 11/1/2035
487 1680 10/21/2005 12/1/2005 11/1/2035
488 2821.71 10/19/2005 12/1/2005 11/1/2035
489 578.82 10/21/2005 12/1/2005 11/1/2035
490 1491.22 10/26/2005 12/1/2005 11/1/2035
491 304.75 10/28/2005 12/1/2005 11/1/2035
492 2284.64 10/24/2005 12/1/2005 11/1/2035
493 1188 10/21/2005 12/1/2005 11/1/2035
494 323.11 10/21/2005 12/1/2005 11/1/2035
495 215.16 10/25/2005 12/1/2005 11/1/2020
496 298.13 10/21/2005 12/1/2005 11/1/2035
497 1194.09 10/27/2005 12/1/2005 11/1/2035
498 1158.33 10/18/2005 12/1/2005 11/1/2035
499 1253.28 10/20/2005 12/1/2005 11/1/2035
500 315.93 10/21/2005 12/1/2005 11/1/2035
501 2937.08 10/20/2005 12/1/2005 11/1/2035
502 243.31 10/14/2005 12/1/2005 11/1/2020
503 301.1 10/19/2005 12/1/2005 11/1/2035
504 1509.12 10/26/2005 12/1/2005 11/1/2035
505 165.7 10/28/2005 12/1/2005 11/1/2020
506 913.47 10/24/2005 12/1/2005 11/1/2035
507 1737.5 10/20/2005 12/1/2005 11/1/2035
508 355.33 10/24/2005 12/1/2005 11/1/2035
509 870.61 10/27/2005 12/1/2005 11/1/2035
510 337.25 10/27/2005 12/1/2005 11/1/2035
511 457.37 10/18/2005 12/1/2005 11/1/2035
512 240.24 10/20/2005 12/1/2005 11/1/2020
513 561.89 10/26/2005 12/1/2005 11/1/2035
514 741.48 10/18/2005 12/1/2005 11/1/2035
515 956.55 10/19/2005 12/1/2005 11/1/2035
516 209.02 10/18/2005 12/1/2005 11/1/2035
517 417.87 10/20/2005 12/1/2005 11/1/2035
518 1036.62 10/21/2005 12/1/2005 11/1/2035
519 1661.58 10/26/2005 12/1/2005 11/1/2035
520 1226.22 10/24/2005 12/1/2005 11/1/2035
521 506.24 10/21/2005 12/1/2005 11/1/2035
522 149.44 10/21/2005 12/1/2005 11/1/2020
523 876.34 10/19/2005 12/1/2005 11/1/2035
524 573.51 10/31/2005 12/1/2005 11/1/2035
525 638.7 10/20/2005 12/1/2005 11/1/2035
526 727.2 10/21/2005 12/1/2005 11/1/2035
527 80.75 10/28/2005 12/1/2005 11/1/2015
528 1756.06 10/24/2005 12/1/2005 11/1/2035
529 1037.46 10/21/2005 12/1/2005 11/1/2035
530 336.78 10/21/2005 12/1/2005 11/1/2035
531 476.15 10/21/2005 12/1/2005 11/1/2035
532 1673.76 10/28/2005 12/1/2005 11/1/2035
533 1526.92 10/20/2005 12/1/2005 11/1/2035
534 661.58 10/21/2005 12/1/2005 11/1/2035
535 1140.73 10/24/2005 12/1/2005 11/1/2035
536 719.37 10/27/2005 12/1/2005 11/1/2035
537 630.75 10/20/2005 12/1/2005 11/1/2035
538 247.41 10/27/2005 12/1/2005 11/1/2035
539 402.36 10/28/2005 12/1/2005 11/1/2035
540 100.18 10/21/2005 12/1/2005 11/1/2015
541 2283.77 10/20/2005 12/1/2005 11/1/2035
542 271.74 10/19/2005 12/1/2005 11/1/2015
543 223.82 10/27/2005 12/1/2005 11/1/2035
544 667.65 10/21/2005 12/1/2005 11/1/2035
545 496.72 10/17/2005 12/1/2005 11/1/2035
546 141.3 10/28/2005 12/1/2005 11/1/2015
547 271.75 10/21/2005 12/1/2005 11/1/2020
548 107.21 10/26/2005 12/1/2005 11/1/2015
549 1516.67 10/24/2005 12/1/2005 11/1/2035
550 1288.15 10/24/2005 12/1/2005 11/1/2035
551 291.34 10/21/2005 12/1/2005 11/1/2035
552 279.77 10/28/2005 12/1/2005 11/1/2035
553 420.31 10/24/2005 12/1/2005 11/1/2035
554 1863.03 10/25/2005 12/1/2005 11/1/2035
555 1977.01 10/25/2005 12/1/2005 11/1/2035
556 815.17 10/26/2005 12/1/2005 11/1/2035
557 280.59 10/25/2005 12/1/2005 11/1/2035
558 515.71 10/27/2005 12/1/2005 11/1/2035
559 620.02 10/20/2005 12/1/2005 11/1/2035
560 217.16 10/27/2005 12/1/2005 11/1/2020
561 181.15 10/27/2005 12/1/2005 11/1/2015
562 1569.34 10/19/2005 12/1/2005 11/1/2035
563 1297.72 10/24/2005 12/1/2005 11/1/2035
564 262.58 10/21/2005 12/1/2005 11/1/2020
565 709.61 10/27/2005 12/1/2005 11/1/2035
566 223.4 10/27/2005 12/1/2005 11/1/2035
567 1130.67 10/28/2005 12/1/2005 11/1/2035
568 946.28 10/28/2005 12/1/2005 11/1/2035
569 981.92 10/28/2005 12/1/2005 11/1/2035
570 355.28 10/28/2005 12/1/2005 11/1/2035
571 971.16 10/26/2005 12/1/2005 11/1/2035
572 2431.36 10/24/2005 12/1/2005 11/1/2035
573 310.53 10/26/2005 12/1/2005 11/1/2035
574 211.93 10/25/2005 12/1/2005 11/1/2015
575 826.86 10/24/2005 12/1/2005 11/1/2035
576 323.89 10/24/2005 12/1/2005 11/1/2035
577 361.65 10/26/2005 12/1/2005 11/1/2035
578 297.25 10/27/2005 12/1/2005 11/1/2035
579 129.6 10/27/2005 12/1/2005 11/1/2020
580 1365.63 10/27/2005 12/1/2005 11/1/2035
581 1450.21 10/21/2005 12/1/2005 11/1/2035
582 1283.82 10/26/2005 12/1/2005 11/1/2035
583 1368.19 10/31/2005 12/1/2005 11/1/2035
584 426.31 10/26/2005 12/1/2005 11/1/2035
585 728.67 10/28/2005 12/1/2005 11/1/2035
586 143.1 10/20/2005 12/1/2005 11/1/2020
587 639.8 10/25/2005 12/1/2005 11/1/2035
588 661 10/24/2005 12/1/2005 11/1/2035
589 394.27 10/21/2005 12/1/2005 11/1/2020
590 284.3 10/28/2005 12/1/2005 11/1/2035
591 218.4 10/27/2005 12/1/2005 11/1/2035
592 365.22 10/27/2005 12/1/2005 11/1/2035
593 2468.23 10/25/2005 12/1/2005 11/1/2035
594 816.45 10/25/2005 12/1/2005 11/1/2035
595 584.23 10/28/2005 12/1/2005 11/1/2035
596 227.2 10/28/2005 12/1/2005 11/1/2020
597 514.34 10/21/2005 12/1/2005 11/1/2035
598 99.39 10/27/2005 12/1/2005 11/1/2015
599 593.6 10/28/2005 12/1/2005 11/1/2035
600 457.71 10/31/2005 12/1/2005 11/1/2035
601 231.93 10/28/2005 12/1/2005 11/1/2020
602 686.72 10/27/2005 12/1/2005 11/1/2035
603 1438.91 10/31/2005 12/1/2005 11/1/2035
604 847.13 10/13/2005 12/1/2005 11/1/2035
605 75.36 10/3/2005 11/1/2005 10/1/2015
606 406.83 10/5/2005 11/1/2005 10/1/2035
607 828.8 9/30/2005 12/1/2005 11/1/2035
608 265.82 10/13/2005 12/1/2005 11/1/2035
609 950.23 10/4/2005 11/1/2005 10/1/2035
610 967.53 10/17/2005 12/1/2005 11/1/2035
611 1433.12 10/13/2005 12/1/2005 11/1/2035
612 1376.02 10/7/2005 12/1/2005 11/1/2035
613 875.33 10/6/2005 12/1/2005 11/1/2035
614 1110.44 10/3/2005 12/1/2005 11/1/2035
615 1118.48 10/5/2005 11/1/2005 10/1/2035
616 1660.53 10/6/2005 12/1/2005 11/1/2035
617 280.08 9/30/2005 12/1/2005 11/1/2035
618 563.29 10/14/2005 12/1/2005 11/1/2035
619 970.2 10/12/2005 12/1/2005 11/1/2035
620 275.08 10/4/2005 11/1/2005 10/1/2035
621 519.1 10/13/2005 12/1/2005 11/1/2035
622 247.37 10/14/2005 12/1/2005 11/1/2020
623 212.62 10/20/2005 12/1/2005 11/1/2020
624 596.72 10/7/2005 12/1/2005 11/1/2035
625 2205.98 10/14/2005 12/1/2005 11/1/2035
626 512.77 10/7/2005 12/1/2005 11/1/2035
627 499.19 9/29/2005 11/1/2005 10/1/2035
628 803.36 10/21/2005 12/1/2005 11/1/2035
629 411.6 10/20/2005 12/1/2005 11/1/2035
630 1132.18 9/26/2005 11/1/2005 10/1/2035
631 772.46 10/4/2005 12/1/2005 11/1/2035
632 937.21 9/28/2005 12/1/2005 11/1/2035
633 165.87 10/4/2005 12/1/2005 11/1/2015
634 303.88 10/12/2005 12/1/2005 11/1/2035
635 858.22 10/3/2005 12/1/2005 11/1/2035
636 2290.53 10/7/2005 12/1/2005 11/1/2035
637 146.53 10/21/2005 12/1/2005 11/1/2010
638 704.85 10/12/2005 12/1/2005 11/1/2035
639 4508.38 10/18/2005 12/1/2005 11/1/2035
640 689.69 10/5/2005 11/1/2005 10/1/2035
641 779.29 10/26/2005 12/1/2005 11/1/2035
642 130.43 10/11/2005 12/1/2005 11/1/2015
643 819.73 10/7/2005 12/1/2005 11/1/2035
644 256.47 10/12/2005 12/1/2005 11/1/2035
645 783.27 10/7/2005 12/1/2005 11/1/2035
646 1295.9 10/12/2005 12/1/2005 11/1/2035
647 1621.5 10/5/2005 12/1/2005 11/1/2035
648 1112.19 10/13/2005 12/1/2005 11/1/2035
649 1896.13 10/7/2005 12/1/2005 11/1/2035
650 607.5 10/6/2005 12/1/2005 11/1/2035
651 1047.91 10/11/2005 12/1/2005 11/1/2035
652 1529.49 10/3/2005 12/1/2005 11/1/2035
653 1328.42 10/14/2005 12/1/2005 11/1/2035
654 2020.59 10/4/2005 12/1/2005 11/1/2035
655 2594.84 10/12/2005 12/1/2005 11/1/2035
656 1929.86 9/29/2005 11/1/2005 10/1/2035
657 987.87 10/5/2005 12/1/2005 11/1/2035
658 828.8 10/5/2005 12/1/2005 11/1/2035
659 873.17 9/27/2005 11/1/2005 10/1/2035
660 665.46 10/4/2005 12/1/2005 11/1/2035
661 4668.68 10/7/2005 12/1/2005 11/1/2035
662 252.45 10/5/2005 12/1/2005 11/1/2035
663 626.51 10/7/2005 12/1/2005 11/1/2035
664 433.46 10/14/2005 12/1/2005 11/1/2035
665 961.41 10/26/2005 12/1/2005 11/1/2035
666 668.5 10/19/2005 12/1/2005 11/1/2035
667 1482.34 10/3/2005 11/1/2005 10/1/2035
668 804.34 10/7/2005 12/1/2005 11/1/2035
669 3832.15 9/30/2005 11/1/2005 10/1/2035
670 295.81 10/14/2005 12/1/2005 11/1/2035
671 2489.44 10/11/2005 12/1/2005 11/1/2035
672 1009.63 9/29/2005 11/1/2005 10/1/2035
673 877.58 10/14/2005 12/1/2005 11/1/2035
674 3279.64 9/30/2005 12/1/2005 11/1/2035
675 706.6 9/29/2005 11/1/2005 10/1/2035
676 191.57 10/13/2005 12/1/2005 11/1/2020
677 339.15 9/29/2005 11/1/2005 10/1/2035
678 168.26 10/7/2005 12/1/2005 11/1/2020
679 1053.77 10/3/2005 12/1/2005 11/1/2035
680 2388.68 10/4/2005 12/1/2005 11/1/2035
681 600.78 10/11/2005 12/1/2005 11/1/2035
682 2419.32 10/12/2005 12/1/2005 11/1/2035
683 2347.03 10/6/2005 12/1/2005 11/1/2035
684 1794.95 9/30/2005 11/1/2005 10/1/2035
685 868.83 10/21/2005 12/1/2005 11/1/2035
686 1069.85 10/6/2005 12/1/2005 11/1/2035
687 732.22 9/30/2005 11/1/2005 10/1/2035
688 1894.58 10/3/2005 12/1/2005 11/1/2035
689 296.82 10/14/2005 12/1/2005 11/1/2035
690 730.29 10/19/2005 12/1/2005 11/1/2035
691 658.52 10/3/2005 12/1/2005 11/1/2035
692 1736.01 10/11/2005 12/1/2005 11/1/2035
693 1121.32 10/21/2005 12/1/2005 11/1/2035
694 551.18 10/12/2005 12/1/2005 11/1/2035
695 1762.05 10/7/2005 12/1/2005 11/1/2035
696 522.91 10/17/2005 12/1/2005 11/1/2035
697 358.22 10/14/2005 12/1/2005 11/1/2035
698 559.48 10/14/2005 12/1/2005 11/1/2035
699 822.47 10/24/2005 12/1/2005 11/1/2035
700 260.02 10/17/2005 12/1/2005 11/1/2020
701 1053.77 10/5/2005 12/1/2005 11/1/2035
702 274.31 10/7/2005 12/1/2005 11/1/2020
703 1618.5 10/5/2005 12/1/2005 11/1/2035
704 485.81 10/3/2005 11/1/2005 10/1/2035
705 357.26 10/26/2005 12/1/2005 11/1/2035
706 1714.92 10/11/2005 12/1/2005 11/1/2035
707 88.71 10/3/2005 11/1/2005 10/1/2015
708 2550.3 10/14/2005 12/1/2005 11/1/2035
709 471.39 10/10/2005 12/1/2005 11/1/2035
710 777.47 10/4/2005 11/1/2005 10/1/2035
711 723.34 10/20/2005 12/1/2005 11/1/2035
712 755.3 10/7/2005 12/1/2005 11/1/2035
713 1838.63 10/20/2005 12/1/2005 11/1/2035
714 381.69 10/5/2005 12/1/2005 11/1/2035
715 1331.77 10/7/2005 12/1/2005 11/1/2035
716 641.63 10/11/2005 12/1/2005 11/1/2035
717 293.14 10/7/2005 12/1/2005 11/1/2035
718 1612.51 10/17/2005 12/1/2005 11/1/2035
719 1238.84 9/30/2005 11/1/2005 10/1/2035
720 408.98 10/20/2005 12/1/2005 11/1/2035
721 1135.23 10/14/2005 12/1/2005 11/1/2035
722 5425.02 10/18/2005 12/1/2005 11/1/2035
723 247.91 10/7/2005 12/1/2005 11/1/2035
724 1442.25 10/4/2005 12/1/2005 11/1/2035
725 859.12 10/21/2005 12/1/2005 11/1/2035
726 643.15 10/17/2005 12/1/2005 11/1/2035
727 455.73 10/3/2005 11/1/2005 10/1/2035
728 129.71 10/14/2005 12/1/2005 11/1/2015
729 1864.13 9/30/2005 11/1/2005 10/1/2035
730 665.38 10/7/2005 12/1/2005 11/1/2035
731 1474.34 10/6/2005 12/1/2005 11/1/2035
732 286.08 10/17/2005 12/1/2005 11/1/2035
733 1910.74 10/7/2005 12/1/2005 11/1/2035
734 413.26 10/13/2005 12/1/2005 11/1/2035
735 1192.9 10/26/2005 12/1/2005 11/1/2035
736 218.1 10/3/2005 11/1/2005 10/1/2015
737 2971.79 10/6/2005 12/1/2005 11/1/2035
738 1618.5 10/7/2005 12/1/2005 11/1/2035
739 732.01 10/7/2005 12/1/2005 11/1/2035
740 308.87 10/21/2005 12/1/2005 11/1/2035
741 138.86 10/17/2005 12/1/2005 11/1/2020
742 814.55 10/14/2005 12/1/2005 11/1/2035
743 1485.7 10/6/2005 12/1/2005 11/1/2035
744 327.75 10/12/2005 12/1/2005 11/1/2035
745 263.27 10/4/2005 11/1/2005 10/1/2035
746 299.76 9/30/2005 11/1/2005 10/1/2020
747 1111.13 10/13/2005 12/1/2005 11/1/2035
748 295.81 10/11/2005 12/1/2005 11/1/2035
749 683.06 10/14/2005 12/1/2005 11/1/2035
750 1263.39 10/13/2005 12/1/2005 11/1/2035
751 94.2 10/13/2005 12/1/2005 11/1/2015
752 1427.56 10/11/2005 12/1/2005 11/1/2035
753 261.39 10/14/2005 12/1/2005 11/1/2035
754 367.03 10/6/2005 12/1/2005 11/1/2035
755 478.21 10/12/2005 12/1/2005 11/1/2035
756 993.53 10/5/2005 12/1/2005 11/1/2035
757 952.05 10/6/2005 12/1/2005 11/1/2035
758 428.98 10/7/2005 12/1/2005 11/1/2035
759 935.84 10/10/2005 12/1/2005 11/1/2035
760 2218.55 10/5/2005 11/1/2005 10/1/2035
761 1156.36 10/11/2005 12/1/2005 11/1/2035
762 717.69 10/5/2005 12/1/2005 11/1/2035
763 831.94 10/5/2005 12/1/2005 11/1/2035
764 1386 10/19/2005 12/1/2005 11/1/2035
765 482.54 10/14/2005 12/1/2005 11/1/2035
766 1497.05 10/12/2005 12/1/2005 11/1/2035
767 1334.67 10/7/2005 12/1/2005 11/1/2035
768 1608.68 10/11/2005 12/1/2005 11/1/2035
769 1384.6 10/19/2005 12/1/2005 11/1/2035
770 589.77 10/19/2005 12/1/2005 11/1/2035
771 1133.82 10/12/2005 12/1/2005 11/1/2035
772 817.34 10/12/2005 12/1/2005 11/1/2035
773 372.15 10/12/2005 12/1/2005 11/1/2035
774 1718.08 10/7/2005 12/1/2005 11/1/2035
775 627.82 10/6/2005 12/1/2005 11/1/2035
776 864.95 10/18/2005 12/1/2005 11/1/2035
777 529.8 10/11/2005 12/1/2005 11/1/2035
778 1566.27 10/13/2005 12/1/2005 11/1/2035
779 667.95 10/7/2005 11/1/2005 10/1/2035
780 1305.51 9/12/2005 10/1/2005 9/1/2035
781 438.07 9/12/2005 10/1/2005 9/1/2020
782 756.86 9/12/2005 10/1/2005 9/1/2020
783 874.32 9/12/2005 10/1/2005 9/1/2020
784 584.18 9/19/2005 11/1/2005 10/1/2035
785 320.82 10/4/2005 12/1/2005 11/1/2035
786 3008.94 9/26/2005 11/1/2005 10/1/2035
787 757.27 10/3/2005 12/1/2005 11/1/2035
788 633.23 10/14/2005 12/1/2005 11/1/2035
789 319.17 10/26/2005 12/1/2005 11/1/2035
790 367.07 8/1/2005 10/1/2005 9/1/2035
791 373.42 10/20/2005 12/1/2005 11/1/2035
792 261.02 10/27/2005 12/1/2005 11/1/2025
793 306.56 10/14/2005 12/1/2005 11/1/2035
794 1026.95 10/14/2005 12/1/2005 11/1/2035
795 1096.58 10/7/2005 12/1/2005 11/1/2035
796 199.63 10/19/2005 12/1/2005 11/1/2020
797 250.4 10/7/2005 12/1/2005 11/1/2020
798 638.87 10/12/2005 12/1/2005 11/1/2035
799 368.54 10/7/2005 12/1/2005 11/1/2035
800 1208.55 10/18/2005 12/1/2005 11/1/2035
801 280.24 10/27/2005 12/1/2005 11/1/2035
802 280.54 10/25/2005 12/1/2005 11/1/2035
803 533.72 10/27/2005 12/1/2005 11/1/2020
804 156.56 10/19/2005 12/1/2005 11/1/2015
805 1203.48 10/17/2005 12/1/2005 11/1/2035
806 587.12 10/26/2005 12/1/2005 11/1/2035
807 1730.77 10/18/2005 12/1/2005 11/1/2035
808 1132.14 9/27/2005 11/1/2005 10/1/2035
809 3055.66 9/29/2005 12/1/2005 11/1/2035
810 1185.49 10/13/2005 12/1/2005 11/1/2035
811 1525.92 10/17/2005 12/1/2005 11/1/2035
812 1119.07 10/11/2005 12/1/2005 11/1/2035
813 897.31 10/13/2005 12/1/2005 11/1/2035
814 1584.72 10/20/2005 12/1/2005 11/1/2035
815 359.48 10/11/2005 12/1/2005 11/1/2035
816 463.37 10/17/2005 12/1/2005 11/1/2035
817 470.77 10/11/2005 12/1/2005 11/1/2035
818 1401.26 9/22/2005 11/1/2005 10/1/2015
819 1885.32 9/29/2005 12/1/2005 11/1/2035
820 1076.46 10/14/2005 12/1/2005 11/1/2035
821 1310.66 10/7/2005 12/1/2005 11/1/2035
822 1046.6 10/25/2005 12/1/2005 11/1/2035
823 1085.98 10/18/2005 12/1/2005 11/1/2035
824 703.8 10/7/2005 12/1/2005 11/1/2035
825 1380.3 10/18/2005 12/1/2005 11/1/2035
826 1540.72 10/26/2005 12/1/2005 11/1/2035
827 2021.74 10/14/2005 12/1/2005 11/1/2035
828 429.4 10/13/2005 12/1/2005 11/1/2035
829 358.44 10/18/2005 12/1/2005 11/1/2035
830 532.14 10/20/2005 12/1/2005 11/1/2035
831 924.38 10/17/2005 12/1/2005 11/1/2035
832 343.52 10/25/2005 12/1/2005 11/1/2035
833 917.2 10/14/2005 12/1/2005 11/1/2035
834 310.12 10/21/2005 12/1/2005 11/1/2035
835 222.42 10/11/2005 12/1/2005 11/1/2015
836 1009.68 10/11/2005 12/1/2005 11/1/2035
837 996.33 10/10/2005 12/1/2005 11/1/2035
838 1278.21 10/14/2005 12/1/2005 11/1/2035
839 2530.56 10/14/2005 12/1/2005 11/1/2035
840 3738.65 10/7/2005 12/1/2005 11/1/2035
841 93.22 10/14/2005 12/1/2005 11/1/2015
842 159.42 10/7/2005 12/1/2005 11/1/2015
843 705.94 10/18/2005 12/1/2005 11/1/2035
844 577.35 10/11/2005 12/1/2005 11/1/2035
845 669.14 10/21/2005 12/1/2005 11/1/2035
846 3065.57 10/14/2005 12/1/2005 11/1/2035
847 1303.76 10/20/2005 12/1/2005 11/1/2035
848 3072.48 10/10/2005 12/1/2005 11/1/2035
849 214.33 10/21/2005 12/1/2005 11/1/2020
850 1224.6 10/14/2005 12/1/2005 11/1/2035
851 2715.16 10/20/2005 12/1/2005 11/1/2035
852 2683.13 10/26/2005 12/1/2005 11/1/2035
853 504.03 10/19/2005 12/1/2005 11/1/2035
854 1095.44 10/24/2005 12/1/2005 11/1/2035
855 2954.23 10/17/2005 12/1/2005 11/1/2035
856 1015.23 10/18/2005 12/1/2005 11/1/2035
857 404.59 10/12/2005 12/1/2005 11/1/2035
858 923.02 10/17/2005 12/1/2005 11/1/2035
859 990.81 10/18/2005 12/1/2005 11/1/2035
860 1758.2 10/12/2005 12/1/2005 11/1/2035
861 1214.89 10/20/2005 12/1/2005 11/1/2035
862 838.54 10/20/2005 12/1/2005 11/1/2035
863 200.69 10/12/2005 12/1/2005 11/1/2020
864 278.64 10/20/2005 12/1/2005 11/1/2035
865 274.2 10/21/2005 12/1/2005 11/1/2020
866 1089.35 10/12/2005 12/1/2005 11/1/2035
867 924.1 10/26/2005 12/1/2005 11/1/2035
868 262.91 10/13/2005 12/1/2005 11/1/2035
869 1040.38 10/13/2005 12/1/2005 11/1/2035
870 1018.19 10/18/2005 12/1/2005 11/1/2035
871 1085.8 10/7/2005 12/1/2005 11/1/2035
872 403.31 10/14/2005 12/1/2005 11/1/2035
873 156.04 10/21/2005 12/1/2005 11/1/2010
874 765 10/12/2005 12/1/2005 11/1/2035
875 1061.77 10/20/2005 12/1/2005 11/1/2035
876 1760.6 10/21/2005 12/1/2005 11/1/2035
877 341.73 10/13/2005 12/1/2005 11/1/2035
878 854.11 10/14/2005 12/1/2005 11/1/2035
879 941.16 10/19/2005 12/1/2005 11/1/2035
880 1223.87 10/19/2005 12/1/2005 11/1/2035
881 729.96 10/14/2005 12/1/2005 11/1/2035
882 1793.88 10/18/2005 12/1/2005 11/1/2035
883 879.86 10/17/2005 12/1/2005 11/1/2035
884 641.84 10/19/2005 12/1/2005 11/1/2035
885 804 10/14/2005 12/1/2005 11/1/2035
886 1553.05 10/10/2005 12/1/2005 11/1/2035
887 296.82 10/14/2005 12/1/2005 11/1/2035
888 854 10/13/2005 12/1/2005 11/1/2035
889 296.12 10/20/2005 12/1/2005 11/1/2035
890 152.14 10/19/2005 12/1/2005 11/1/2020
891 652.02 9/26/2005 11/1/2005 10/1/2035
892 769.97 10/21/2005 12/1/2005 11/1/2035
893 291.35 10/24/2005 12/1/2005 11/1/2035
894 2345.3 10/24/2005 12/1/2005 11/1/2035
895 951.03 10/20/2005 12/1/2005 11/1/2035
896 237.57 10/21/2005 12/1/2005 11/1/2035
897 90.58 10/24/2005 12/1/2005 11/1/2015
898 553.26 10/27/2005 12/1/2005 11/1/2035
899 868.35 10/5/2005 12/1/2005 11/1/2035
900 662.24 10/12/2005 12/1/2005 11/1/2035
901 184.57 10/17/2005 12/1/2005 11/1/2010
902 577.15 10/21/2005 12/1/2005 11/1/2035
903 449.77 10/24/2005 12/1/2005 11/1/2035
904 190.75 10/19/2005 12/1/2005 11/1/2015
905 1027.15 10/17/2005 12/1/2005 11/1/2035
906 447.23 10/19/2005 12/1/2005 11/1/2035
907 904.76 10/21/2005 12/1/2005 11/1/2035
908 1216.66 10/25/2005 12/1/2005 11/1/2035
909 5244.11 10/20/2005 12/1/2005 11/1/2035
910 2054.84 10/14/2005 12/1/2005 11/1/2035
911 110.14 10/18/2005 12/1/2005 11/1/2015
912 768.89 10/21/2005 12/1/2005 11/1/2035
913 766.49 10/14/2005 12/1/2005 11/1/2035
914 1332.21 10/18/2005 12/1/2005 11/1/2035
915 254.11 10/14/2005 12/1/2005 11/1/2035
916 997.96 10/18/2005 12/1/2005 11/1/2035
917 981.19 10/21/2005 12/1/2005 11/1/2035
918 1049.09 10/18/2005 12/1/2005 11/1/2035
919 292.91 10/21/2005 12/1/2005 11/1/2035
920 1043.09 10/21/2005 12/1/2005 11/1/2035
921 524.73 10/26/2005 12/1/2005 11/1/2035
922 499.17 10/18/2005 12/1/2005 11/1/2035
923 682.18 10/24/2005 12/1/2005 11/1/2035
924 1013.86 10/21/2005 12/1/2005 11/1/2035
925 362.61 10/18/2005 12/1/2005 11/1/2035
926 380.13 10/25/2005 12/1/2005 11/1/2035
927 299.92 10/17/2005 12/1/2005 11/1/2035
928 250.93 10/14/2005 12/1/2005 11/1/2035
929 1527.42 10/17/2005 12/1/2005 11/1/2035
930 1106.39 10/25/2005 12/1/2005 11/1/2035
931 450.18 10/17/2005 12/1/2005 11/1/2035
932 432.07 10/25/2005 12/1/2005 11/1/2035
933 986.68 10/17/2005 12/1/2005 11/1/2035
934 270.73 10/20/2005 12/1/2005 11/1/2020
935 244.84 10/26/2005 12/1/2005 11/1/2035
936 1283.1 10/17/2005 12/1/2005 11/1/2035
937 3014.2 10/27/2005 12/1/2005 11/1/2035
938 142.7 10/25/2005 12/1/2005 11/1/2020
939 1072.8 10/13/2005 12/1/2005 11/1/2035
940 883.65 10/13/2005 12/1/2005 11/1/2035
941 1200.11 10/19/2005 12/1/2005 11/1/2035
942 857.45 10/24/2005 12/1/2005 11/1/2035
943 338.87 10/13/2005 12/1/2005 11/1/2035
944 798.7 10/19/2005 12/1/2005 11/1/2035
945 2503.4 10/26/2005 12/1/2005 11/1/2035
946 274.82 10/24/2005 12/1/2005 11/1/2035
947 238.56 10/24/2005 12/1/2005 11/1/2035
948 332.78 10/19/2005 12/1/2005 11/1/2035
949 314.9 10/17/2005 12/1/2005 11/1/2035
950 1888.09 10/21/2005 12/1/2005 11/1/2035
951 804.97 10/19/2005 12/1/2005 11/1/2035
952 962.44 10/19/2005 12/1/2005 11/1/2035
953 775.66 10/24/2005 12/1/2005 11/1/2035
954 286.39 10/21/2005 12/1/2005 11/1/2035
955 257.57 10/25/2005 12/1/2005 11/1/2035
956 784.46 10/25/2005 12/1/2005 11/1/2035
957 1307.67 10/18/2005 12/1/2005 11/1/2035
958 1640.55 10/21/2005 12/1/2005 11/1/2035
959 427.94 10/27/2005 12/1/2005 11/1/2035
960 304.93 10/19/2005 12/1/2005 11/1/2035
961 1162.89 10/20/2005 12/1/2005 11/1/2035
962 495.34 10/20/2005 12/1/2005 11/1/2035
963 757.9 10/25/2005 12/1/2005 11/1/2035
964 690.67 10/21/2005 12/1/2005 11/1/2035
965 1500.83 10/18/2005 12/1/2005 11/1/2035
966 567.03 10/25/2005 12/1/2005 11/1/2035
967 1443.69 10/20/2005 12/1/2005 11/1/2035
968 662.29 10/21/2005 12/1/2005 11/1/2035
969 1626.33 10/14/2005 12/1/2005 11/1/2035
970 442.01 10/18/2005 12/1/2005 11/1/2035
971 1489.36 10/19/2005 12/1/2005 11/1/2035
972 905.01 10/27/2005 12/1/2005 11/1/2035
973 722.48 10/31/2005 12/1/2005 11/1/2035
974 262.72 10/20/2005 12/1/2005 11/1/2035
975 1207.92 10/19/2005 12/1/2005 11/1/2035
976 904.96 10/27/2005 12/1/2005 11/1/2035
977 376.37 10/25/2005 12/1/2005 11/1/2035
978 605.92 10/26/2005 12/1/2005 11/1/2035
979 265.73 10/31/2005 12/1/2005 11/1/2035
980 1425.41 10/28/2005 12/1/2005 11/1/2035
981 1304.8 10/21/2005 12/1/2005 11/1/2035
982 233.4 10/21/2005 12/1/2005 11/1/2035
983 802.12 10/28/2005 12/1/2005 11/1/2035
984 1088.38 10/18/2005 12/1/2005 11/1/2035
985 1969.69 10/20/2005 12/1/2005 11/1/2035
986 1142.76 10/17/2005 12/1/2005 11/1/2035
987 526.14 10/20/2005 12/1/2005 11/1/2035
988 309.16 10/27/2005 12/1/2005 11/1/2035
989 558.8 10/21/2005 12/1/2005 11/1/2035
990 903.78 10/24/2005 12/1/2005 11/1/2035
991 2453.4 10/24/2005 12/1/2005 11/1/2035
992 608.08 10/19/2005 12/1/2005 11/1/2035
993 274.81 10/21/2005 12/1/2005 11/1/2025
994 230.43 10/19/2005 12/1/2005 11/1/2010
995 974.33 10/25/2005 12/1/2005 11/1/2035
996 1574.79 10/18/2005 12/1/2005 11/1/2035
997 521.56 10/24/2005 12/1/2005 11/1/2035
998 1064.64 10/26/2005 12/1/2005 11/1/2035
999 1168.46 10/18/2005 12/1/2005 11/1/2035
1000 163.5 10/14/2005 12/1/2005 11/1/2020
1001 215.86 10/24/2005 12/1/2005 11/1/2020
1002 993.33 10/18/2005 12/1/2005 11/1/2035
1003 358.44 10/26/2005 12/1/2005 11/1/2035
1004 1437.06 10/20/2005 12/1/2005 11/1/2035
1005 2437.66 10/25/2005 12/1/2005 11/1/2035
1006 2059.82 10/25/2005 12/1/2005 11/1/2035
1007 948.01 10/27/2005 12/1/2005 11/1/2035
1008 339.15 10/25/2005 12/1/2005 11/1/2035
1009 522.12 10/20/2005 12/1/2005 11/1/2020
1010 788.75 10/26/2005 12/1/2005 11/1/2035
1011 79.4 10/17/2005 12/1/2005 11/1/2015
1012 240.16 10/21/2005 12/1/2005 11/1/2035
1013 1959.37 10/19/2005 12/1/2005 11/1/2035
1014 1798 10/20/2005 12/1/2005 11/1/2035
1015 1676.19 10/21/2005 12/1/2005 11/1/2035
1016 72.46 10/21/2005 12/1/2005 11/1/2015
1017 751.27 10/19/2005 12/1/2005 11/1/2035
1018 470.09 10/21/2005 12/1/2005 11/1/2035
1019 754.43 10/21/2005 12/1/2005 11/1/2035
1020 235.57 10/25/2005 12/1/2005 11/1/2035
1021 2044.44 10/19/2005 12/1/2005 11/1/2035
1022 951.26 10/26/2005 12/1/2005 11/1/2035
1023 471.35 10/18/2005 12/1/2005 11/1/2035
1024 250.01 10/19/2005 12/1/2005 11/1/2035
1025 277.57 10/26/2005 12/1/2005 11/1/2035
1026 1237.4 10/31/2005 12/1/2005 11/1/2035
1027 1535.26 10/21/2005 12/1/2005 11/1/2035
1028 419.84 10/19/2005 12/1/2005 11/1/2035
1029 3941.88 10/24/2005 12/1/2005 11/1/2035
1030 1975.81 10/21/2005 12/1/2005 11/1/2035
1031 394.27 10/24/2005 12/1/2005 11/1/2035
1032 1195.4 10/19/2005 12/1/2005 11/1/2035
1033 648.86 10/19/2005 12/1/2005 11/1/2035
1034 868.69 10/26/2005 12/1/2005 11/1/2035
1035 278.44 10/26/2005 12/1/2005 11/1/2035
1036 203.47 10/25/2005 12/1/2005 11/1/2015
1037 1495.42 10/21/2005 12/1/2005 11/1/2035
1038 1924.27 10/27/2005 12/1/2005 11/1/2035
1039 224.4 10/24/2005 12/1/2005 11/1/2035
1040 1116.79 10/26/2005 12/1/2005 11/1/2035
1041 89.13 10/25/2005 12/1/2005 11/1/2015
1042 534.27 10/25/2005 12/1/2005 11/1/2035
1043 807.13 10/21/2005 12/1/2005 11/1/2035
1044 713.36 10/27/2005 12/1/2005 11/1/2035
1045 813.43 10/27/2005 12/1/2005 11/1/2035
1046 897.31 10/24/2005 12/1/2005 11/1/2035
1047 525.15 10/21/2005 12/1/2005 11/1/2035
1048 1485.36 10/25/2005 12/1/2005 11/1/2035
1049 1205.69 10/27/2005 12/1/2005 11/1/2035
1050 1153.94 10/21/2005 12/1/2005 11/1/2035
1051 1721.07 10/20/2005 12/1/2005 11/1/2035
1052 1035.49 10/24/2005 12/1/2005 11/1/2035
1053 1423.75 10/26/2005 12/1/2005 11/1/2035
1054 120.62 10/26/2005 12/1/2005 11/1/2015
1055 836.58 10/24/2005 12/1/2005 11/1/2035
1056 1048.83 10/27/2005 12/1/2005 11/1/2035
1057 946.82 10/25/2005 12/1/2005 11/1/2035
1058 119.49 10/25/2005 12/1/2005 11/1/2015
1059 791.89 10/25/2005 12/1/2005 11/1/2035
1060 818.17 10/24/2005 12/1/2005 11/1/2035
1061 192.87 10/25/2005 12/1/2005 11/1/2020
1062 329.28 10/21/2005 12/1/2005 11/1/2035
1063 1967.4 10/25/2005 12/1/2005 11/1/2035
1064 1122.28 10/25/2005 12/1/2005 11/1/2035
1065 925.4 10/27/2005 12/1/2005 11/1/2035
1066 2496.87 10/27/2005 12/1/2005 11/1/2035
1067 154.56 10/25/2005 12/1/2005 11/1/2020
1068 1731.17 10/21/2005 12/1/2005 11/1/2035
1069 380.54 10/26/2005 12/1/2005 11/1/2035
1070 541.82 10/21/2005 12/1/2005 11/1/2035
1071 718.67 10/27/2005 12/1/2005 11/1/2035
1072 2477.49 10/27/2005 12/1/2005 11/1/2035
1073 515.09 10/26/2005 12/1/2005 11/1/2035
1074 253.12 10/25/2005 12/1/2005 11/1/2035
1075 635.54 10/26/2005 12/1/2005 11/1/2035
1076 786.3 10/24/2005 12/1/2005 11/1/2035
1077 261.91 10/27/2005 12/1/2005 11/1/2035
1078 1052.42 10/31/2005 12/1/2005 11/1/2035
1079 1904.31 10/26/2005 12/1/2005 11/1/2035
1080 1488.74 10/26/2005 12/1/2005 11/1/2035
1081 546.46 10/27/2005 12/1/2005 11/1/2035
1082 4103.21 10/28/2005 12/1/2005 11/1/2035
1083 157.07 10/26/2005 12/1/2005 11/1/2020
1084 2641.19 9/15/2005 11/1/2005 10/1/2035
1085 1611.83 10/3/2005 12/1/2005 11/1/2035
1086 877.11 9/7/2005 11/1/2005 10/1/2035
1087 1576.61 10/21/2005 12/1/2005 11/1/2035
1088 643.28 10/7/2005 12/1/2005 11/1/2035
1089 592.67 10/4/2005 12/1/2005 11/1/2035
1090 227.82 10/4/2005 12/1/2005 11/1/2035
1091 398.72 9/8/2005 11/1/2005 10/1/2035
1092 635.09 10/18/2005 12/1/2005 11/1/2035
1093 226.84 10/3/2005 11/1/2005 10/1/2035
1094 766.61 10/25/2005 12/1/2005 11/1/2035
1095 1508.26 10/5/2005 12/1/2005 11/1/2035
1096 4669.89 10/11/2005 12/1/2005 11/1/2035
1097 736.55 10/6/2005 12/1/2005 11/1/2035
1098 634.05 10/11/2005 12/1/2005 11/1/2035
1099 366.77 10/24/2005 12/1/2005 11/1/2035
1100 726.86 10/14/2005 12/1/2005 11/1/2035
1101 1780.54 10/18/2005 12/1/2005 11/1/2035
1102 2706.58 10/3/2005 12/1/2005 11/1/2035
1103 1186.28 10/5/2005 12/1/2005 11/1/2035
1104 816.48 9/12/2005 11/1/2005 10/1/2035
1105 950.23 10/21/2005 12/1/2005 11/1/2035
1106 318.02 10/21/2005 12/1/2005 11/1/2035
1107 1823.53 10/27/2005 12/1/2005 11/1/2035
1108 664.64 10/21/2005 12/1/2005 11/1/2035
1109 469.99 10/31/2005 12/1/2005 11/1/2035
1110 1064.49 10/28/2005 12/1/2005 11/1/2035
1111 229.16 10/21/2005 12/1/2005 11/1/2035
1112 333.43 10/28/2005 12/1/2005 11/1/2035
1113 574.27 10/27/2005 12/1/2005 11/1/2035
1114 1489.75 10/25/2005 12/1/2005 11/1/2035
1115 635.72 10/27/2005 12/1/2005 11/1/2035
1116 1538.39 10/27/2005 12/1/2005 11/1/2035
1117 542.4 10/27/2005 12/1/2005 11/1/2035
1118 636.46 10/26/2005 12/1/2005 11/1/2035
1119 293.93 10/31/2005 12/1/2005 11/1/2035
1120 2358.82 10/28/2005 12/1/2005 11/1/2035
1121 446.38 10/27/2005 12/1/2005 11/1/2035
1122 1140.6 10/26/2005 12/1/2005 11/1/2035
1123 1227.63 10/28/2005 12/1/2005 11/1/2035
1124 398.87 10/26/2005 12/1/2005 11/1/2035
1125 953.59 10/26/2005 12/1/2005 11/1/2035
1126 867.94 10/27/2005 12/1/2005 11/1/2035
1127 1639.17 10/5/2005 12/1/2005 11/1/2035
1128 634.48 10/18/2005 12/1/2005 11/1/2035
1129 769.28 10/3/2005 12/1/2005 11/1/2035
1130 1193.35 10/7/2005 12/1/2005 11/1/2035
1131 2358.03 10/5/2005 12/1/2005 11/1/2035
1132 1248.64 10/11/2005 12/1/2005 11/1/2035
1133 1512.01 10/8/2005 12/1/2005 11/1/2035
1134 2425.38 10/6/2005 12/1/2005 11/1/2035
1135 775.68 10/3/2005 12/1/2005 11/1/2035
1136 847.37 10/27/2005 12/1/2005 11/1/2035
1137 534.2 10/5/2005 12/1/2005 11/1/2035
1138 692.7 10/27/2005 12/1/2005 11/1/2035
1139 2496.84 10/5/2005 12/1/2005 11/1/2035
1140 768.54 9/30/2005 12/1/2005 11/1/2035
1141 108.69 10/18/2005 12/1/2005 11/1/2015
1142 426.31 10/10/2005 12/1/2005 11/1/2035
1143 1475.83 10/6/2005 12/1/2005 11/1/2035
1144 3444 10/14/2005 12/1/2005 11/1/2035
1145 568.85 10/21/2005 12/1/2005 11/1/2035
1146 2045.43 10/16/2005 12/1/2005 11/1/2035
1147 1122.82 10/4/2005 12/1/2005 11/1/2035
1148 267.04 10/6/2005 12/1/2005 11/1/2020
1149 530.98 10/6/2005 12/1/2005 11/1/2035
1150 2257.33 10/7/2005 12/1/2005 11/1/2035
1151 876.26 10/5/2005 12/1/2005 11/1/2035
1152 763.29 10/13/2005 12/1/2005 11/1/2035
1153 980.61 10/21/2005 12/1/2005 11/1/2035
1154 260.37 10/3/2005 12/1/2005 11/1/2035
1155 290.47 10/13/2005 12/1/2005 11/1/2020
1156 1208.25 10/17/2005 12/1/2005 11/1/2035
1157 679.17 10/6/2005 12/1/2005 11/1/2035
1158 978.92 10/6/2005 12/1/2005 11/1/2035
1159 358.66 10/14/2005 12/1/2005 11/1/2035
1160 96.38 10/7/2005 12/1/2005 11/1/2015
1161 1367.06 10/14/2005 12/1/2005 11/1/2035
1162 4205.93 10/5/2005 12/1/2005 11/1/2035
1163 1681.57 10/17/2005 12/1/2005 11/1/2035
1164 246.71 10/13/2005 12/1/2005 11/1/2035
1165 446 10/6/2005 12/1/2005 11/1/2035
1166 3053.16 10/10/2005 12/1/2005 11/1/2035
1167 2247.42 10/10/2005 12/1/2005 11/1/2035
1168 2711.66 10/19/2005 12/1/2005 11/1/2035
1169 1015 10/17/2005 12/1/2005 11/1/2035
1170 811.09 10/21/2005 12/1/2005 11/1/2035
1171 1029.86 10/27/2005 12/1/2005 11/1/2035
1172 310.81 10/10/2005 12/1/2005 11/1/2035
1173 248.56 10/11/2005 12/1/2005 11/1/2015
1174 2226.57 10/18/2005 12/1/2005 11/1/2035
1175 1617.59 10/11/2005 12/1/2005 11/1/2035
1176 1005.85 10/12/2005 12/1/2005 11/1/2035
1177 350.1 10/17/2005 12/1/2005 11/1/2035
1178 1309.68 10/11/2005 12/1/2005 11/1/2035
1179 2168.14 10/13/2005 12/1/2005 11/1/2035
1180 1259.78 10/18/2005 12/1/2005 11/1/2035
1181 2823.33 10/14/2005 12/1/2005 11/1/2035
1182 1102.27 10/19/2005 12/1/2005 11/1/2035
1183 878.12 10/11/2005 12/1/2005 11/1/2035
1184 1515.04 10/7/2005 12/1/2005 11/1/2035
1185 398.69 10/11/2005 12/1/2005 11/1/2035
1186 561.43 10/7/2005 12/1/2005 11/1/2035
1187 331.62 10/7/2005 12/1/2005 11/1/2035
1188 1194.23 10/17/2005 12/1/2005 11/1/2035
1189 620.95 10/11/2005 12/1/2005 11/1/2035
1190 778.52 10/19/2005 12/1/2005 11/1/2035
1191 1492.4 10/20/2005 12/1/2005 11/1/2035
1192 964.66 10/10/2005 12/1/2005 11/1/2035
1193 916.34 10/14/2005 12/1/2005 11/1/2035
1194 2875.4 10/19/2005 12/1/2005 11/1/2035
1195 865.72 10/19/2005 12/1/2005 11/1/2035
1196 71.73 10/6/2005 12/1/2005 11/1/2015
1197 2081.04 10/10/2005 12/1/2005 11/1/2035
1198 380.15 10/7/2005 12/1/2005 11/1/2035
1199 3385.98 10/20/2005 12/1/2005 11/1/2035
1200 533.32 10/11/2005 12/1/2005 11/1/2035
1201 1401.39 10/20/2005 12/1/2005 11/1/2035
1202 3018.49 10/13/2005 12/1/2005 11/1/2035
1203 2469.65 10/10/2005 12/1/2005 11/1/2035
1204 4984.74 10/28/2005 12/1/2005 11/1/2035
1205 976.51 10/12/2005 12/1/2005 11/1/2035
1206 2730.29 10/20/2005 12/1/2005 11/1/2035
1207 260.37 10/20/2005 12/1/2005 11/1/2035
1208 2318.01 10/12/2005 12/1/2005 11/1/2035
1209 1022.13 10/26/2005 12/1/2005 11/1/2035
1210 1667.36 10/14/2005 12/1/2005 11/1/2035
1211 634.64 10/13/2005 12/1/2005 11/1/2035
1212 389.32 10/19/2005 12/1/2005 11/1/2035
1213 259.1 10/20/2005 12/1/2005 11/1/2020
1214 1495 10/10/2005 12/1/2005 11/1/2035
1215 2522.75 10/7/2005 12/1/2005 11/1/2035
1216 3632.77 10/28/2005 12/1/2005 11/1/2035
1217 2605.17 10/11/2005 12/1/2005 11/1/2035
1218 1084.81 10/19/2005 12/1/2005 11/1/2035
1219 2567.71 10/14/2005 12/1/2005 11/1/2035
1220 803.18 10/14/2005 12/1/2005 11/1/2035
1221 1634.01 10/11/2005 12/1/2005 11/1/2035
1222 346.77 10/19/2005 12/1/2005 11/1/2035
1223 1124.23 10/12/2005 12/1/2005 11/1/2035
1224 891.31 10/24/2005 12/1/2005 11/1/2035
1225 2380.54 10/14/2005 12/1/2005 11/1/2035
1226 4790.65 10/21/2005 12/1/2005 11/1/2035
1227 623.11 10/17/2005 12/1/2005 11/1/2035
1228 666.1 10/17/2005 12/1/2005 11/1/2035
1229 1638.15 10/24/2005 12/1/2005 11/1/2035
1230 4237.75 10/24/2005 12/1/2005 11/1/2035
1231 700.49 10/20/2005 12/1/2005 11/1/2035
1232 1096 10/21/2005 12/1/2005 11/1/2035
1233 944.41 10/13/2005 12/1/2005 11/1/2035
1234 464.81 10/26/2005 12/1/2005 11/1/2035
1235 262.31 10/25/2005 12/1/2005 11/1/2015
1236 933.54 10/11/2005 12/1/2005 11/1/2035
1237 926.73 10/21/2005 12/1/2005 11/1/2035
1238 252.55 10/20/2005 12/1/2005 11/1/2035
1239 4535.86 10/19/2005 12/1/2005 11/1/2035
1240 1796.73 10/18/2005 12/1/2005 11/1/2035
1241 707.93 10/10/2005 12/1/2005 11/1/2035
1242 693.17 10/10/2005 12/1/2005 11/1/2035
1243 3800.37 10/19/2005 12/1/2005 11/1/2035
1244 699.22 10/18/2005 12/1/2005 11/1/2035
1245 811.99 10/11/2005 12/1/2005 11/1/2035
1246 115.94 10/17/2005 12/1/2005 11/1/2015
1247 80.32 10/19/2005 12/1/2005 11/1/2015
1248 1773.66 10/18/2005 12/1/2005 11/1/2035
1249 148.93 10/25/2005 12/1/2005 11/1/2015
1250 544.03 10/21/2005 12/1/2005 11/1/2035
1251 1056.4 10/20/2005 12/1/2005 11/1/2035
1252 178.29 10/13/2005 12/1/2005 11/1/2020
1253 1037.21 10/21/2005 12/1/2005 11/1/2035
1254 1668.41 10/13/2005 12/1/2005 11/1/2035
1255 3185 10/13/2005 12/1/2005 11/1/2035
1256 1495 10/13/2005 12/1/2005 11/1/2035
1257 1834.21 10/17/2005 12/1/2005 11/1/2035
1258 2021.25 10/14/2005 12/1/2005 11/1/2035
1259 796.47 10/20/2005 12/1/2005 11/1/2035
1260 1218.82 10/24/2005 12/1/2005 11/1/2035
1261 1993.95 10/20/2005 12/1/2005 11/1/2035
1262 2061.98 10/22/2005 12/1/2005 11/1/2035
1263 223.71 10/17/2005 12/1/2005 11/1/2010
1264 384.62 10/14/2005 12/1/2005 11/1/2035
1265 2027.13 10/20/2005 12/1/2005 11/1/2035
1266 3218.67 10/20/2005 12/1/2005 11/1/2035
1267 906.51 10/14/2005 12/1/2005 11/1/2035
1268 2143.44 10/19/2005 12/1/2005 11/1/2035
1269 341.09 10/21/2005 12/1/2005 11/1/2035
1270 289.36 10/18/2005 12/1/2005 11/1/2035
1271 998.15 10/20/2005 12/1/2005 11/1/2035
1272 1448.08 10/18/2005 12/1/2005 11/1/2035
1273 1319.56 10/20/2005 12/1/2005 11/1/2035
1274 622.24 10/13/2005 12/1/2005 11/1/2035
1275 3692 10/13/2005 12/1/2005 11/1/2035
1276 4618.33 10/20/2005 12/1/2005 11/1/2035
1277 282.66 10/19/2005 12/1/2005 11/1/2035
1278 362.98 10/26/2005 12/1/2005 11/1/2035
1279 213.9 10/12/2005 12/1/2005 11/1/2035
1280 649.61 10/13/2005 12/1/2005 11/1/2035
1281 2094.35 10/18/2005 12/1/2005 11/1/2035
1282 3198.58 10/13/2005 12/1/2005 11/1/2035
1283 799.02 10/21/2005 12/1/2005 11/1/2035
1284 887.29 10/24/2005 12/1/2005 11/1/2035
1285 856.42 10/17/2005 12/1/2005 11/1/2035
1286 787.75 10/17/2005 12/1/2005 11/1/2035
1287 2312.92 10/14/2005 12/1/2005 11/1/2035
1288 1407 10/25/2005 12/1/2005 11/1/2035
1289 1167.52 10/17/2005 12/1/2005 11/1/2035
1290 472 10/19/2005 12/1/2005 11/1/2035
1291 4218.75 10/21/2005 12/1/2005 11/1/2035
1292 2654.17 10/17/2005 12/1/2005 11/1/2035
1293 789.59 10/14/2005 12/1/2005 11/1/2035
1294 788.16 10/14/2005 12/1/2005 11/1/2035
1295 282.62 10/14/2005 12/1/2005 11/1/2035
1296 552.9 10/25/2005 12/1/2005 11/1/2035
1297 3937.37 10/23/2005 12/1/2005 11/1/2035
1298 3522.55 10/19/2005 12/1/2005 11/1/2035
1299 3276 10/14/2005 12/1/2005 11/1/2035
1300 141.26 10/17/2005 12/1/2005 11/1/2015
1301 399.84 10/20/2005 12/1/2005 11/1/2035
1302 148.44 10/17/2005 12/1/2005 11/1/2015
1303 1061.97 10/17/2005 12/1/2005 11/1/2035
1304 3081.2 10/17/2005 12/1/2005 11/1/2035
1305 395.11 10/19/2005 12/1/2005 11/1/2035
1306 804.85 10/18/2005 12/1/2005 11/1/2035
1307 664.64 10/21/2005 12/1/2005 11/1/2035
1308 549.93 10/20/2005 12/1/2005 11/1/2035
1309 596.25 10/14/2005 12/1/2005 11/1/2035
1310 245.98 10/18/2005 12/1/2005 11/1/2020
1311 1328.22 10/20/2005 12/1/2005 11/1/2035
1312 1263.06 10/14/2005 12/1/2005 11/1/2035
1313 845.06 10/17/2005 12/1/2005 11/1/2035
1314 827.87 10/14/2005 12/1/2005 11/1/2035
1315 311.65 10/21/2005 12/1/2005 11/1/2035
1316 514.5 10/14/2005 12/1/2005 11/1/2035
1317 552.41 10/25/2005 12/1/2005 11/1/2035
1318 1876.87 10/24/2005 12/1/2005 11/1/2035
1319 3175 10/19/2005 12/1/2005 11/1/2035
1320 921.46 10/17/2005 12/1/2005 11/1/2035
1321 1389.36 10/14/2005 12/1/2005 11/1/2035
1322 2402.67 10/19/2005 12/1/2005 11/1/2035
1323 3640.72 10/19/2005 12/1/2005 11/1/2035
1324 1395.73 10/19/2005 12/1/2005 11/1/2035
1325 612 10/24/2005 12/1/2005 11/1/2035
1326 656.8 10/20/2005 12/1/2005 11/1/2035
1327 2691.98 10/26/2005 12/1/2005 11/1/2035
1328 2334.47 10/24/2005 12/1/2005 11/1/2035
1329 1774.03 10/21/2005 12/1/2005 11/1/2035
1330 2660 10/21/2005 12/1/2005 11/1/2035
1331 422.6 10/24/2005 12/1/2005 11/1/2035
1332 986.1 10/17/2005 12/1/2005 11/1/2035
1333 755.24 10/18/2005 12/1/2005 11/1/2035
1334 1173.94 10/26/2005 12/1/2005 11/1/2035
1335 1052.2 10/21/2005 12/1/2005 11/1/2035
1336 292.72 10/18/2005 12/1/2005 11/1/2035
1337 1822.5 10/18/2005 12/1/2005 11/1/2035
1338 371.02 10/20/2005 12/1/2005 11/1/2035
1339 815.36 10/28/2005 12/1/2005 11/1/2035
1340 564.18 10/28/2005 12/1/2005 11/1/2035
1341 872.04 10/19/2005 12/1/2005 11/1/2035
1342 373.5 10/19/2005 12/1/2005 11/1/2035
1343 911.91 10/20/2005 12/1/2005 11/1/2035
1344 198.69 10/21/2005 12/1/2005 11/1/2020
1345 209.23 10/20/2005 12/1/2005 11/1/2035
1346 744.29 10/21/2005 12/1/2005 11/1/2035
1347 241.3 10/28/2005 12/1/2005 11/1/2020
1348 334.57 10/17/2005 12/1/2005 11/1/2035
1349 1696.74 10/20/2005 12/1/2005 11/1/2035
1350 803.73 10/21/2005 12/1/2005 11/1/2035
1351 1519.77 10/21/2005 12/1/2005 11/1/2035
1352 3089.62 10/19/2005 12/1/2005 11/1/2035
1353 1593.83 10/21/2005 12/1/2005 11/1/2035
1354 903.14 10/18/2005 12/1/2005 11/1/2035
1355 1715.34 10/27/2005 12/1/2005 11/1/2035
1356 1412.33 10/26/2005 12/1/2005 11/1/2035
1357 3200 10/20/2005 12/1/2005 11/1/2035
1358 771.44 10/27/2005 12/1/2005 11/1/2035
1359 611.91 10/24/2005 12/1/2005 11/1/2035
1360 2596.43 10/20/2005 12/1/2005 11/1/2035
1361 254.45 10/19/2005 12/1/2005 11/1/2035
1362 1990.86 10/24/2005 12/1/2005 11/1/2035
1363 601.88 10/21/2005 12/1/2005 11/1/2035
1364 1376.55 10/21/2005 12/1/2005 11/1/2035
1365 2166.96 10/18/2005 12/1/2005 11/1/2035
1366 742.04 10/18/2005 12/1/2005 11/1/2035
1367 458.47 10/26/2005 12/1/2005 11/1/2035
1368 999.59 10/20/2005 12/1/2005 11/1/2035
1369 916.32 10/27/2005 12/1/2005 11/1/2035
1370 2768.09 10/26/2005 12/1/2005 11/1/2035
1371 2229.37 10/20/2005 12/1/2005 11/1/2035
1372 1278.33 10/20/2005 12/1/2005 11/1/2035
1373 430.13 10/19/2005 12/1/2005 11/1/2035
1374 352.09 10/24/2005 12/1/2005 11/1/2035
1375 522.18 10/21/2005 12/1/2005 11/1/2035
1376 1052.78 10/24/2005 12/1/2005 11/1/2035
1377 287.99 10/28/2005 12/1/2005 11/1/2035
1378 293.71 10/27/2005 12/1/2005 11/1/2035
1379 1008.23 10/25/2005 12/1/2005 11/1/2035
1380 5498.01 10/24/2005 12/1/2005 11/1/2035
1381 395.76 10/22/2005 12/1/2005 11/1/2035
1382 693.33 10/28/2005 12/1/2005 11/1/2035
1383 242.45 10/28/2005 12/1/2005 11/1/2035
1384 334.75 10/25/2005 12/1/2005 11/1/2035
1385 577.21 10/21/2005 12/1/2005 11/1/2035
1386 1072 10/22/2005 12/1/2005 11/1/2035
1387 644.48 10/21/2005 12/1/2005 11/1/2035
1388 376.37 10/28/2005 12/1/2005 11/1/2035
1389 927.89 10/28/2005 12/1/2005 11/1/2035
1390 3380.83 10/21/2005 12/1/2005 11/1/2035
1391 759.51 10/26/2005 12/1/2005 11/1/2035
1392 825.58 10/21/2005 12/1/2005 11/1/2035
1393 1264.93 10/21/2005 12/1/2005 11/1/2035
1394 923.16 10/26/2005 12/1/2005 11/1/2035
1395 1568.53 10/31/2005 12/1/2005 11/1/2035
1396 239.91 10/27/2005 12/1/2005 11/1/2020
1397 1789.9 10/24/2005 12/1/2005 11/1/2035
1398 718.83 10/24/2005 12/1/2005 11/1/2035
1399 491.81 10/31/2005 12/1/2005 11/1/2035
1400 504.34 10/25/2005 12/1/2005 11/1/2035
1401 1225 10/28/2005 12/1/2005 11/1/2035
1402 349.16 10/14/2005 12/1/2005 11/1/2035
1403 269.26 10/5/2005 12/1/2005 11/1/2035
1404 919.68 10/5/2005 12/1/2005 11/1/2035
1405 2704.56 10/4/2005 12/1/2005 11/1/2035
1406 438.74 10/7/2005 12/1/2005 11/1/2035
1407 992.35 10/4/2005 12/1/2005 11/1/2035
1408 836.85 10/18/2005 12/1/2005 11/1/2035
1409 1206.18 10/20/2005 12/1/2005 11/1/2035
1410 771.65 10/27/2005 12/1/2005 11/1/2035
1411 966.67 10/24/2005 12/1/2005 11/1/2035
1412 460.96 10/26/2005 12/1/2005 11/1/2035
1413 651.57 10/27/2005 12/1/2005 11/1/2035
1414 853.93 10/21/2005 12/1/2005 11/1/2035
1415 5641.28 10/24/2005 12/1/2005 11/1/2035
1416 1770.89 10/20/2005 12/1/2005 11/1/2035
1417 202.89 10/6/2005 12/1/2005 11/1/2015
1418 1960.04 10/12/2005 12/1/2005 11/1/2035
1419 1309.21 10/7/2005 12/1/2005 11/1/2035
1420 1868.31 10/25/2005 12/1/2005 11/1/2035
1421 4745.08 10/14/2005 12/1/2005 11/1/2035
1422 2904.25 10/21/2005 12/1/2005 11/1/2035
1423 764.99 10/3/2005 12/1/2005 11/1/2035
1424 1667.5 10/4/2005 12/1/2005 11/1/2035
1425 558.79 10/11/2005 12/1/2005 11/1/2035
1426 1396.5 10/21/2005 12/1/2005 11/1/2035
1427 3372.72 10/24/2005 12/1/2005 11/1/2035
1428 1317.27 10/3/2005 12/1/2005 11/1/2035
1429 920.36 10/14/2005 12/1/2005 11/1/2035
1430 947.1 10/5/2005 12/1/2005 11/1/2035
1431 1644.5 10/10/2005 12/1/2005 11/1/2035
1432 1877.95 10/11/2005 12/1/2005 11/1/2035
1433 1273.37 10/28/2005 12/1/2005 11/1/2035
1434 561 10/20/2005 12/1/2005 11/1/2035
1435 691.73 10/27/2005 12/1/2005 11/1/2035
1436 2201.79 10/26/2005 12/1/2005 11/1/2035
1437 1014.65 10/25/2005 12/1/2005 11/1/2035
1438 1296.79 10/7/2005 12/1/2005 11/1/2035
1439 430.41 10/28/2005 12/1/2005 11/1/2035
1440 184.66 10/17/2005 12/1/2005 11/1/2020
1441 2662.5 10/4/2005 12/1/2005 11/1/2035
1442 1792 10/12/2005 12/1/2005 11/1/2035
1443 875.73 10/14/2005 12/1/2005 11/1/2035
1444 1383.35 9/29/2005 12/1/2005 11/1/2035
1445 4929.99 10/7/2005 12/1/2005 11/1/2035
1446 801.54 10/12/2005 12/1/2005 11/1/2035
1447 3210.68 10/7/2005 12/1/2005 11/1/2035
1448 1036.87 10/27/2005 12/1/2005 11/1/2035
1449 5183.07 10/27/2005 12/1/2005 11/1/2035
1450 1847.16 10/7/2005 12/1/2005 11/1/2035
1451 661.87 10/28/2005 12/1/2005 11/1/2035
1452 691.83 10/25/2005 12/1/2005 11/1/2035
1453 1305.35 10/11/2005 12/1/2005 11/1/2035
1454 403.07 10/12/2005 12/1/2005 11/1/2035
1455 1059.23 10/25/2005 12/1/2005 11/1/2035
1456 1033.36 10/7/2005 12/1/2005 11/1/2035
1457 2456.16 10/11/2005 12/1/2005 11/1/2035
1458 681.08 10/21/2005 12/1/2005 11/1/2035
1459 758.31 10/11/2005 12/1/2005 11/1/2035
1460 905.19 10/14/2005 12/1/2005 11/1/2035
1461 673.99 10/27/2005 12/1/2005 11/1/2035
1462 1580.65 10/12/2005 12/1/2005 11/1/2035
1463 467.12 10/7/2005 12/1/2005 11/1/2035
1464 316.59 10/14/2005 12/1/2005 11/1/2035
1465 1218.7 10/25/2005 12/1/2005 11/1/2035
1466 1161.16 10/26/2005 12/1/2005 11/1/2035
1467 559.14 10/17/2005 12/1/2005 11/1/2035
1468 505.85 10/4/2005 12/1/2005 11/1/2035
1469 2692.67 10/20/2005 12/1/2005 11/1/2035
1470 2830.45 10/14/2005 12/1/2005 11/1/2035
1471 2024.06 10/24/2005 12/1/2005 11/1/2035
1472 1680.42 10/21/2005 12/1/2005 11/1/2035
1473 2025.44 10/12/2005 12/1/2005 11/1/2035
1474 1985.78 10/17/2005 12/1/2005 11/1/2035
1475 574.03 10/11/2005 12/1/2005 11/1/2035
1476 688.32 10/28/2005 12/1/2005 11/1/2035
1477 1439.6 10/4/2005 12/1/2005 11/1/2035
1478 470.77 10/6/2005 12/1/2005 11/1/2035
1479 165.21 10/21/2005 12/1/2005 11/1/2015
1480 97.83 10/26/2005 12/1/2005 11/1/2015
1481 197.93 10/7/2005 12/1/2005 11/1/2020
1482 226.74 10/28/2005 12/1/2005 11/1/2035
1483 708.58 10/19/2005 12/1/2005 11/1/2035
1484 1024.9 10/7/2005 12/1/2005 11/1/2035
1485 3136.5 10/12/2005 12/1/2005 11/1/2035
1486 729.66 10/20/2005 12/1/2005 11/1/2035
1487 1083.7 10/25/2005 12/1/2005 11/1/2035
1488 1401.25 10/21/2005 12/1/2005 11/1/2035
1489 1219 10/14/2005 12/1/2005 11/1/2035
1490 2227.89 10/17/2005 12/1/2005 11/1/2035
1491 847.91 10/7/2005 12/1/2005 11/1/2035
1492 1415.5 10/20/2005 12/1/2005 11/1/2035
1493 1010.59 10/20/2005 12/1/2005 11/1/2035
1494 1730.29 10/24/2005 12/1/2005 11/1/2035
1495 2735.83 10/7/2005 12/1/2005 11/1/2035
1496 1405.78 10/12/2005 12/1/2005 11/1/2035
1497 1032.89 10/14/2005 12/1/2005 11/1/2035
1498 1948.23 10/28/2005 12/1/2005 11/1/2035
1499 3368.74 10/20/2005 12/1/2005 11/1/2035
1500 755.19 10/11/2005 12/1/2005 11/1/2035
1501 723.52 10/14/2005 12/1/2005 11/1/2035
1502 2883.21 10/13/2005 12/1/2005 11/1/2035
1503 842.45 10/19/2005 12/1/2005 11/1/2035
1504 2167.57 10/24/2005 12/1/2005 11/1/2035
1505 5269.82 10/14/2005 12/1/2005 11/1/2035
1506 788.54 10/25/2005 12/1/2005 11/1/2035
1507 866.97 10/11/2005 12/1/2005 11/1/2035
1508 774.87 10/28/2005 12/1/2005 11/1/2020
1509 4420.84 10/13/2005 12/1/2005 11/1/2035
1510 665.31 10/12/2005 12/1/2005 11/1/2035
1511 1152.87 10/14/2005 12/1/2005 11/1/2035
1512 629.17 10/17/2005 12/1/2005 11/1/2035
1513 1335.92 10/11/2005 12/1/2005 11/1/2035
1514 1960.65 10/21/2005 12/1/2005 11/1/2035
1515 1589.81 10/17/2005 12/1/2005 11/1/2035
1516 229.16 10/17/2005 12/1/2005 11/1/2035
1517 2235.31 10/19/2005 12/1/2005 11/1/2035
1518 2887.73 10/17/2005 12/1/2005 11/1/2035
1519 241.07 10/14/2005 12/1/2005 11/1/2035
1520 2047.07 10/21/2005 12/1/2005 11/1/2035
1521 238.56 10/12/2005 12/1/2005 11/1/2035
1522 1737.16 10/18/2005 12/1/2005 11/1/2035
1523 348.32 10/25/2005 12/1/2005 11/1/2035
1524 1096.41 10/27/2005 12/1/2005 11/1/2035
1525 1260.59 10/27/2005 12/1/2005 11/1/2035
1526 911.32 10/14/2005 12/1/2005 11/1/2035
1527 2143.06 10/27/2005 12/1/2005 11/1/2035
1528 715.96 10/27/2005 12/1/2005 11/1/2035
1529 892.5 10/27/2005 12/1/2005 11/1/2035
1530 94.93 10/17/2005 12/1/2005 11/1/2015
1531 763.04 10/31/2005 12/1/2005 11/1/2035
1532 828.76 10/28/2005 12/1/2005 11/1/2035
1533 258.07 10/28/2005 12/1/2005 11/1/2035
1534 2093.71 10/19/2005 12/1/2005 11/1/2035
1535 733.07 10/21/2005 12/1/2005 11/1/2035
1536 1185.49 10/21/2005 12/1/2005 11/1/2035
1537 416.63 10/26/2005 12/1/2005 11/1/2035
1538 1415.67 10/20/2005 12/1/2005 11/1/2035
1539 313.2 10/25/2005 12/1/2005 11/1/2010
1540 254.95 10/28/2005 12/1/2005 11/1/2020
1541 954.75 10/24/2005 12/1/2005 11/1/2035
1542 2989.09 10/21/2005 12/1/2005 11/1/2035
1543 227.69 10/27/2005 12/1/2005 11/1/2035
1544 738.37 10/27/2005 12/1/2005 11/1/2035
1545 1029.81 10/21/2005 12/1/2005 11/1/2035
1546 755.3 10/25/2005 12/1/2005 11/1/2035
1547 309.19 10/14/2005 12/1/2005 11/1/2035
1548 1115.15 10/25/2005 12/1/2005 11/1/2035
1549 266.24 10/14/2005 12/1/2005 11/1/2020
1550 1719.39 10/20/2005 12/1/2005 11/1/2035
1551 3234.47 10/18/2005 12/1/2005 11/1/2035
1552 912.53 10/27/2005 12/1/2005 11/1/2035
1553 5244.11 10/18/2005 12/1/2005 11/1/2035
1554 3367.93 10/19/2005 12/1/2005 11/1/2035
1555 571.97 10/31/2005 12/1/2005 11/1/2035
1556 2628.67 10/26/2005 12/1/2005 11/1/2035
1557 1597.04 10/27/2005 12/1/2005 11/1/2035
1558 1207.05 10/14/2005 12/1/2005 11/1/2035
1559 1214.74 10/25/2005 12/1/2005 11/1/2035
1560 765 10/21/2005 12/1/2005 11/1/2035
1561 1424.71 10/20/2005 12/1/2005 11/1/2035
1562 247.91 10/25/2005 12/1/2005 11/1/2035
1563 1292.76 10/13/2005 12/1/2005 11/1/2035
1564 1528.73 10/31/2005 12/1/2005 11/1/2035
1565 763.04 10/25/2005 12/1/2005 11/1/2035
1566 513.31 10/27/2005 12/1/2005 11/1/2035
1567 405.04 10/25/2005 12/1/2005 11/1/2035
1568 1866.21 10/19/2005 12/1/2005 11/1/2035
1569 3791.55 10/18/2005 12/1/2005 11/1/2035
1570 648.04 10/27/2005 12/1/2005 11/1/2035
1571 976.81 10/26/2005 12/1/2005 11/1/2035
1572 2235.86 10/14/2005 12/1/2005 11/1/2035
1573 609 10/31/2005 12/1/2005 11/1/2035
1574 1397.83 10/21/2005 12/1/2005 11/1/2035
1575 277.23 10/27/2005 12/1/2005 11/1/2015
1576 2808.15 10/26/2005 12/1/2005 11/1/2035
1577 115.94 10/18/2005 12/1/2005 11/1/2015
1578 1516.62 10/21/2005 12/1/2005 11/1/2035
1579 1205.86 10/21/2005 12/1/2005 11/1/2035
1580 1661.97 10/17/2005 12/1/2005 11/1/2035
1581 789.28 10/20/2005 12/1/2005 11/1/2035
1582 2376.38 10/28/2005 12/1/2005 11/1/2035
1583 1960.47 10/28/2005 12/1/2005 11/1/2035
1584 431.17 10/28/2005 12/1/2005 11/1/2035
1585 221.01 10/26/2005 12/1/2005 11/1/2015
1586 2352.39 10/21/2005 12/1/2005 11/1/2035
1587 970.69 10/20/2005 12/1/2005 11/1/2035
1588 2337.41 10/21/2005 12/1/2005 11/1/2035
1589 1683.99 10/20/2005 12/1/2005 11/1/2035
1590 2393.82 10/21/2005 12/1/2005 11/1/2035
1591 2740.97 10/21/2005 12/1/2005 11/1/2035
1592 444.59 10/27/2005 12/1/2005 11/1/2010
1593 601.12 10/28/2005 12/1/2005 11/1/2035
1594 512.39 10/31/2005 12/1/2005 11/1/2035
1595 996.15 10/31/2005 12/1/2005 11/1/2035
1596 2171.19 10/24/2005 12/1/2005 11/1/2035
1597 810.14 10/25/2005 12/1/2005 11/1/2035
1598 763.04 10/27/2005 12/1/2005 11/1/2035
1599 1129.69 10/25/2005 12/1/2005 11/1/2035
1600 928.49 10/21/2005 12/1/2005 11/1/2035
1601 483.9 10/27/2005 12/1/2005 11/1/2035
1602 696.58 10/24/2005 12/1/2005 11/1/2035
1603 1420.67 10/31/2005 12/1/2005 11/1/2035
1604 735.58 10/31/2005 12/1/2005 11/1/2035
1605 2179.99 10/21/2005 12/1/2005 11/1/2035
1606 528.7 10/24/2005 12/1/2005 11/1/2035
1607 350.15 10/31/2005 12/1/2005 11/1/2035
1608 313.34 10/28/2005 12/1/2005 11/1/2035
1609 827.56 10/28/2005 12/1/2005 11/1/2035
1610 2556.67 10/3/2005 11/1/2005 10/1/2035
1611 1555.25 10/11/2005 12/1/2005 11/1/2035
1612 1070.02 9/7/2005 10/1/2005 9/1/2035
1613 1858.61 9/14/2005 11/1/2005 10/1/2035
1614 1224.61 9/2/2005 10/1/2005 9/1/2035
1615 1470.83 8/31/2005 10/1/2005 9/1/2035
1616 613.05 8/31/2005 10/1/2005 9/1/2020
1617 3141.67 4/4/2005 5/1/2005 4/1/2035
1618 2625.83 5/11/2005 7/1/2005 6/1/2035
1619 2602.73 5/11/2005 7/1/2005 6/1/2035
1620 963.04 5/10/2005 7/1/2005 6/1/2025
1621 967.05 7/27/2005 9/1/2005 8/1/2035
1622 1049.72 7/21/2005 9/1/2005 8/1/2035
1623 2093.75 8/18/2005 10/1/2005 9/1/2035
1624 576.72 8/31/2005 10/1/2005 9/1/2035
1625 869.04 9/9/2005 11/1/2005 10/1/2035
1626 2177.08 7/29/2005 9/1/2005 8/1/2035
1627 1702.56 6/24/2005 8/1/2005 7/1/2035
1628 986.42 10/19/2005 12/1/2005 11/1/2035
1629 1359.2 10/19/2005 12/1/2005 11/1/2035
1630 582.97 10/21/2005 12/1/2005 11/1/2035
1631 268.99 10/21/2005 12/1/2005 11/1/2020
1632 4667.27 10/21/2005 12/1/2005 11/1/2035
1633 971.83 10/18/2005 12/1/2005 11/1/2035
1634 863.19 10/11/2005 12/1/2005 11/1/2035
1635 2974.45 10/19/2005 12/1/2005 11/1/2035
1636 298.82 10/11/2005 12/1/2005 11/1/2035
1637 233.4 10/13/2005 12/1/2005 11/1/2035
1638 1042.57 10/18/2005 12/1/2005 11/1/2035
1639 607.61 10/13/2005 12/1/2005 11/1/2035
1640 647.31 10/21/2005 12/1/2005 11/1/2035
1641 71.77 10/21/2005 12/1/2005 11/1/2020
1642 1141.44 10/19/2005 12/1/2005 11/1/2035
1643 1204.6 10/14/2005 12/1/2005 11/1/2035
1644 1773.66 6/24/2005 8/1/2005 7/1/2035
1645 1279.18 9/7/2005 11/1/2005 10/1/2035
1646 1266.67 9/29/2005 11/1/2005 10/1/2035
1647 996.95 10/21/2005 12/1/2005 11/1/2035
1648 328.82 10/21/2005 12/1/2005 11/1/2035
1649 402.5 9/29/2005 12/1/2005 11/1/2035
1650 811.03 9/27/2005 12/1/2005 11/1/2035
1651 1569.39 10/3/2005 12/1/2005 11/1/2035
1652 769.3 10/4/2005 12/1/2005 11/1/2035
1653 657.89 10/19/2005 12/1/2005 11/1/2035
1654 715 10/21/2005 12/1/2005 11/1/2035
1655 864.53 10/3/2005 12/1/2005 11/1/2035
1656 301.73 10/3/2005 12/1/2005 11/1/2035
1657 1693.38 9/15/2005 11/1/2005 10/1/2035
1658 467.27 9/22/2005 11/1/2005 10/1/2035
1659 727.87 8/29/2005 10/1/2005 9/1/2035
1660 1400.04 9/12/2005 11/1/2005 10/1/2035
1661 1182.25 9/23/2005 11/1/2005 10/1/2035
1662 1663.26 9/8/2005 11/1/2005 10/1/2035
1663 184.6 10/4/2005 12/1/2005 11/1/2020
1664 1526.98 9/23/2005 11/1/2005 10/1/2035
1665 1408.63 9/7/2005 11/1/2005 10/1/2035
1666 1173.35 9/19/2005 11/1/2005 10/1/2035
1667 1156.33 9/27/2005 11/1/2005 10/1/2035
1668 559.17 10/11/2005 12/1/2005 11/1/2035
1669 1189.64 10/21/2005 12/1/2005 11/1/2035
1670 2515.64 9/27/2005 11/1/2005 10/1/2035
1671 839.18 10/11/2005 12/1/2005 11/1/2035
1672 657.93 10/12/2005 12/1/2005 11/1/2035
1673 1632.74 9/14/2005 11/1/2005 10/1/2035
1674 627.96 9/14/2005 11/1/2005 10/1/2035
1675 4814.74 9/8/2005 11/1/2005 10/1/2035
1676 1289.55 9/27/2005 12/1/2005 11/1/2035
1677 2238.75 9/21/2005 11/1/2005 10/1/2035
1678 1781.8 9/27/2005 11/1/2005 10/1/2035
1679 712.76 9/27/2005 11/1/2005 10/1/2035
1680 842 9/19/2005 11/1/2005 10/1/2035
1681 709.15 10/14/2005 12/1/2005 11/1/2035
1682 871.72 9/28/2005 11/1/2005 10/1/2035
1683 307.37 9/28/2005 11/1/2005 10/1/2035
1684 595.4 10/3/2005 12/1/2005 11/1/2035
1685 3774.85 10/3/2005 12/1/2005 11/1/2035
1686 1257.57 10/3/2005 12/1/2005 11/1/2035
1687 1101.75 10/3/2005 12/1/2005 11/1/2035
1688 373.02 10/3/2005 12/1/2005 11/1/2035
1689 1008.62 9/27/2005 11/1/2005 10/1/2035
1690 223.72 9/23/2005 11/1/2005 10/1/2020
1691 858.69 10/7/2005 12/1/2005 11/1/2035
1692 760.26 10/21/2005 12/1/2005 11/1/2035
1693 2539.53 10/3/2005 12/1/2005 11/1/2035
1694 899.72 9/30/2005 11/1/2005 10/1/2035
1695 3264 9/23/2005 11/1/2005 10/1/2035
1696 136.95 10/13/2005 12/1/2005 11/1/2015
1697 1712.88 9/26/2005 11/1/2005 10/1/2035
1698 1711.61 9/29/2005 12/1/2005 11/1/2035
1699 1317.43 10/19/2005 12/1/2005 11/1/2035
1700 455.96 9/28/2005 11/1/2005 10/1/2035
1701 1316.89 10/7/2005 12/1/2005 11/1/2035
1702 2613 10/7/2005 12/1/2005 11/1/2035
1703 1395.73 10/20/2005 12/1/2005 11/1/2035
1704 339.7 10/4/2005 12/1/2005 11/1/2035
1705 1058.36 10/7/2005 12/1/2005 11/1/2035
1706 1314.51 10/11/2005 12/1/2005 11/1/2035
1707 2054.75 10/13/2005 12/1/2005 11/1/2035
1708 937.66 10/4/2005 12/1/2005 11/1/2035
1709 764.57 10/13/2005 12/1/2005 11/1/2035
1710 877.81 9/29/2005 12/1/2005 11/1/2035
1711 3929.18 9/30/2005 12/1/2005 11/1/2035
1712 3090.01 10/3/2005 12/1/2005 11/1/2035
1713 1491.1 10/20/2005 12/1/2005 11/1/2035
1714 1847.87 10/10/2005 12/1/2005 11/1/2035
1715 123.74 10/26/2005 12/1/2005 11/1/2020
1716 332.82 9/26/2005 11/1/2005 10/1/2035
1717 1467.33 9/27/2005 12/1/2005 11/1/2035
1718 1383.56 10/5/2005 12/1/2005 11/1/2035
1719 5349.02 9/27/2005 11/1/2005 10/1/2035
1720 800.56 9/28/2005 12/1/2005 11/1/2035
1721 2555.46 10/5/2005 12/1/2005 11/1/2035
1722 2224.15 10/14/2005 12/1/2005 11/1/2035
1723 623.15 9/26/2005 11/1/2005 10/1/2035
1724 2094.98 10/21/2005 12/1/2005 11/1/2035
1725 2806.54 9/27/2005 11/1/2005 10/1/2035
1726 1195.68 9/21/2005 11/1/2005 10/1/2035
1727 2045.78 9/22/2005 11/1/2005 10/1/2035
1728 752.73 10/14/2005 12/1/2005 11/1/2035
1729 2339.51 10/14/2005 12/1/2005 11/1/2035
1730 767.86 9/29/2005 11/1/2005 10/1/2035
1731 1762.03 9/21/2005 11/1/2005 10/1/2035
1732 3184.84 10/25/2005 12/1/2005 11/1/2035
1733 856.27 10/6/2005 12/1/2005 11/1/2035
1734 1690.57 10/13/2005 12/1/2005 11/1/2035
1735 2032.77 9/22/2005 11/1/2005 10/1/2035
1736 4178.38 9/27/2005 11/1/2005 10/1/2035
1737 1434.79 9/27/2005 11/1/2005 10/1/2035
1738 1775.6 10/12/2005 12/1/2005 11/1/2035
1739 968.78 10/6/2005 12/1/2005 11/1/2035
1740 612.3 10/6/2005 12/1/2005 11/1/2035
1741 2987.38 9/26/2005 11/1/2005 10/1/2035
1742 1635.81 10/3/2005 12/1/2005 11/1/2035
1743 1194.67 9/26/2005 11/1/2005 10/1/2035
1744 2538.67 9/22/2005 11/1/2005 10/1/2035
1745 1063.42 10/20/2005 12/1/2005 11/1/2035
1746 783.81 10/25/2005 12/1/2005 11/1/2035
1747 1418.93 10/3/2005 12/1/2005 11/1/2035
1748 486.39 10/3/2005 12/1/2005 11/1/2035
1749 1055.35 9/22/2005 11/1/2005 10/1/2035
1750 1304.94 10/5/2005 12/1/2005 11/1/2035
1751 131.29 9/27/2005 11/1/2005 10/1/2020
1752 739.6 10/12/2005 12/1/2005 11/1/2035
1753 1140.74 9/22/2005 11/1/2005 10/1/2035
1754 1459.46 9/28/2005 11/1/2005 10/1/2035
1755 1032.75 10/4/2005 12/1/2005 11/1/2035
1756 2303.52 10/5/2005 12/1/2005 11/1/2035
1757 1794.24 10/10/2005 12/1/2005 11/1/2035
1758 672.27 10/3/2005 12/1/2005 11/1/2035
1759 359.02 9/30/2005 11/1/2005 10/1/2035
1760 1261.75 9/30/2005 12/1/2005 11/1/2035
1761 1110.18 10/6/2005 12/1/2005 11/1/2035
1762 237.96 10/3/2005 12/1/2005 11/1/2035
1763 1607.72 9/22/2005 11/1/2005 10/1/2035
1764 1185.49 9/28/2005 11/1/2005 10/1/2035
1765 3091.63 10/6/2005 12/1/2005 11/1/2035
1766 452.45 9/27/2005 11/1/2005 10/1/2035
1767 823.07 10/3/2005 12/1/2005 11/1/2035
1768 297.66 10/6/2005 12/1/2005 11/1/2035
1769 4848.13 9/21/2005 11/1/2005 10/1/2035
1770 1862.2 10/6/2005 12/1/2005 11/1/2035
1771 339.69 10/20/2005 12/1/2005 11/1/2035
1772 1036.91 9/30/2005 11/1/2005 10/1/2035
1773 1708.42 9/26/2005 11/1/2005 10/1/2035
1774 1693.53 10/6/2005 12/1/2005 11/1/2035
1775 789.15 9/28/2005 11/1/2005 10/1/2035
1776 768.6 9/28/2005 11/1/2005 10/1/2035
1777 313.64 10/11/2005 12/1/2005 11/1/2035
1778 1547.45 10/12/2005 12/1/2005 11/1/2035
1779 510.8 10/12/2005 12/1/2005 11/1/2035
1780 1344.84 9/28/2005 12/1/2005 11/1/2035
1781 1051.1 10/3/2005 12/1/2005 11/1/2035
1782 1289.66 10/3/2005 12/1/2005 11/1/2035
1783 1115.6 10/10/2005 12/1/2005 11/1/2035
1784 1139.41 10/11/2005 12/1/2005 11/1/2035
1785 709.85 9/27/2005 12/1/2005 11/1/2035
1786 1006.22 10/6/2005 12/1/2005 11/1/2035
1787 1446.67 9/27/2005 11/1/2005 10/1/2035
1788 484.67 9/27/2005 12/1/2005 11/1/2035
1789 1208.32 10/13/2005 12/1/2005 11/1/2035
1790 1939.19 10/5/2005 12/1/2005 11/1/2035
1791 2738.56 9/30/2005 12/1/2005 11/1/2035
1792 532.82 9/29/2005 11/1/2005 10/1/2035
1793 703.04 10/5/2005 12/1/2005 11/1/2035
1794 3746.29 10/25/2005 12/1/2005 11/1/2035
1795 405.37 10/11/2005 12/1/2005 11/1/2035
1796 205.67 9/28/2005 11/1/2005 10/1/2035
1797 517.15 9/28/2005 11/1/2005 10/1/2035
1798 884.3 10/24/2005 12/1/2005 11/1/2035
1799 1626.26 10/3/2005 12/1/2005 11/1/2035
1800 317.42 10/6/2005 12/1/2005 11/1/2035
1801 695.42 10/13/2005 12/1/2005 11/1/2035
1802 2530 10/3/2005 12/1/2005 11/1/2035
1803 1012 10/3/2005 12/1/2005 11/1/2035
1804 2082.68 10/6/2005 12/1/2005 11/1/2035
1805 3385.63 9/26/2005 11/1/2005 10/1/2035
1806 350.09 10/5/2005 12/1/2005 11/1/2035
1807 468.23 9/30/2005 12/1/2005 11/1/2035
1808 270.63 9/26/2005 11/1/2005 10/1/2035
1809 164.22 10/3/2005 12/1/2005 11/1/2015
1810 234.14 10/10/2005 12/1/2005 11/1/2020
1811 2546 10/7/2005 12/1/2005 11/1/2035
1812 216.73 10/13/2005 12/1/2005 11/1/2035
1813 1241.66 10/8/2005 12/1/2005 11/1/2035
1814 202.89 10/19/2005 12/1/2005 11/1/2015
1815 715.58 10/6/2005 12/1/2005 11/1/2035
1816 576.23 10/13/2005 12/1/2005 11/1/2035
1817 846.62 10/5/2005 12/1/2005 11/1/2035
1818 1039.49 10/6/2005 12/1/2005 11/1/2035
1819 789.88 10/11/2005 12/1/2005 11/1/2035
1820 424.51 10/28/2005 12/1/2005 11/1/2035
1821 288.67 10/7/2005 12/1/2005 11/1/2035
1822 2646.85 10/14/2005 12/1/2005 11/1/2035
1823 837.98 10/13/2005 12/1/2005 11/1/2035
1824 232.99 10/25/2005 12/1/2005 11/1/2035
1825 640.47 10/17/2005 12/1/2005 11/1/2035
1826 987.91 9/30/2005 12/1/2005 11/1/2035
1827 526.92 10/14/2005 12/1/2005 11/1/2035
1828 1212.6 10/28/2005 12/1/2005 11/1/2035
1829 1310.2 10/7/2005 12/1/2005 11/1/2035
1830 441.98 10/7/2005 12/1/2005 11/1/2035
1831 1840 10/10/2005 12/1/2005 11/1/2035
1832 2283.11 10/11/2005 12/1/2005 11/1/2035
1833 2725.15 10/26/2005 12/1/2005 11/1/2035
1834 1000.7 10/6/2005 12/1/2005 11/1/2035
1835 1214.28 10/6/2005 12/1/2005 11/1/2035
1836 2111.52 10/11/2005 12/1/2005 11/1/2035
1837 1257.57 10/12/2005 12/1/2005 11/1/2035
1838 1528.04 10/6/2005 12/1/2005 11/1/2035
1839 2328.75 10/6/2005 12/1/2005 11/1/2035
1840 1307.16 10/6/2005 12/1/2005 11/1/2035
1841 629.47 10/11/2005 12/1/2005 11/1/2015
1842 1082.09 10/11/2005 12/1/2005 11/1/2035
1843 1708.15 10/7/2005 12/1/2005 11/1/2035
1844 2679.97 10/13/2005 12/1/2005 11/1/2035
1845 1247.31 10/20/2005 12/1/2005 11/1/2035
1846 1608 10/13/2005 12/1/2005 11/1/2035
1847 843.39 10/13/2005 12/1/2005 11/1/2035
1848 3697.86 10/21/2005 12/1/2005 11/1/2035
1849 1550.08 10/14/2005 12/1/2005 11/1/2035
1850 615.05 10/12/2005 12/1/2005 11/1/2035
1851 3076.55 10/20/2005 12/1/2005 11/1/2035
1852 253.23 10/7/2005 12/1/2005 11/1/2035
1853 1936.81 10/13/2005 12/1/2005 11/1/2035
1854 4045.5 10/18/2005 12/1/2005 11/1/2035
1855 1669.56 10/20/2005 12/1/2005 11/1/2035
1856 1009.03 10/24/2005 12/1/2005 11/1/2035
1857 2119.18 10/14/2005 12/1/2005 11/1/2035
1858 1074.2 10/21/2005 12/1/2005 11/1/2035
1859 596.25 10/27/2005 12/1/2005 11/1/2035
1860 3036 10/13/2005 12/1/2005 11/1/2035
1861 580.63 10/13/2005 12/1/2005 11/1/2035
1862 2098.43 10/14/2005 12/1/2005 11/1/2035
1863 3735 10/19/2005 12/1/2005 11/1/2035
1864 768.56 10/25/2005 12/1/2005 11/1/2035
1865 1364 10/13/2005 12/1/2005 11/1/2035
1866 333.36 10/28/2005 12/1/2005 11/1/2035
1867 3143.39 10/14/2005 12/1/2005 11/1/2035
1868 1936.6 10/21/2005 12/1/2005 11/1/2035
1869 1266.56 10/24/2005 12/1/2005 11/1/2035
1870 4147.4 10/13/2005 12/1/2005 11/1/2035
1871 3541.49 10/20/2005 12/1/2005 11/1/2035
1872 156.77 10/26/2005 12/1/2005 11/1/2015
1873 1664.9 10/18/2005 12/1/2005 11/1/2035
1874 1818.67 10/17/2005 12/1/2005 11/1/2035
1875 481.48 10/27/2005 12/1/2005 11/1/2035
1876 708.04 10/17/2005 12/1/2005 11/1/2035
1877 2236.47 10/20/2005 12/1/2005 11/1/2035
1878 774.58 10/17/2005 12/1/2005 11/1/2035
1879 490.41 10/27/2005 12/1/2005 11/1/2035
1880 1692 10/20/2005 12/1/2005 11/1/2035
1881 2439.5 10/21/2005 12/1/2005 11/1/2035
1882 849.46 10/19/2005 12/1/2005 11/1/2035
1883 476.73 10/28/2005 12/1/2005 11/1/2035
1884 3208.75 10/21/2005 12/1/2005 11/1/2035
1885 775.46 10/20/2005 12/1/2005 11/1/2035
1886 431.54 10/21/2005 12/1/2005 11/1/2035
1887 958.61 10/21/2005 12/1/2005 11/1/2035
1888 847.3 10/21/2005 12/1/2005 11/1/2035
1889 1239 10/17/2005 12/1/2005 11/1/2035
1890 2874.11 10/19/2005 12/1/2005 11/1/2035
1891 4191.18 10/24/2005 12/1/2005 11/1/2035
1892 730.77 10/17/2005 12/1/2005 11/1/2035
1893 569.91 10/14/2005 12/1/2005 11/1/2035
1894 698.96 10/21/2005 12/1/2005 11/1/2035
1895 579.99 10/24/2005 12/1/2005 11/1/2035
1896 971.38 10/21/2005 12/1/2005 11/1/2035
1897 967.79 10/21/2005 12/1/2005 11/1/2035
1898 2476.34 10/21/2005 12/1/2005 11/1/2035
1899 528.29 10/20/2005 12/1/2005 11/1/2035
1900 1255.04 10/21/2005 12/1/2005 11/1/2035
1901 706.32 10/24/2005 12/1/2005 11/1/2035
1902 4243.02 9/29/2005 12/1/2005 11/1/2035
1903 1976 9/22/2005 11/1/2005 10/1/2035
1904 787.34 9/22/2005 11/1/2005 10/1/2020
1905 1439.99 7/20/2005 9/1/2005 8/1/2035
1906 1386.17 8/4/2005 10/1/2005 9/1/2035
1907 903.9 9/6/2005 11/1/2005 10/1/2035
1908 699.22 9/1/2005 11/1/2005 10/1/2035
1909 2142.7 10/10/2005 12/1/2005 11/1/2035
1910 1033.57 10/6/2005 12/1/2005 11/1/2035
1911 725.21 10/10/2005 12/1/2005 11/1/2035
1912 970.02 9/16/2005 11/1/2005 10/1/2035
1913 458.95 9/8/2005 11/1/2005 10/1/2035
1914 982.28 9/19/2005 11/1/2005 10/1/2035
1915 1350.39 9/26/2005 11/1/2005 10/1/2035
1916 1328.87 9/19/2005 11/1/2005 10/1/2035
1917 954.5 8/29/2005 10/1/2005 9/1/2035
1918 978.25 10/5/2005 11/1/2005 10/1/2035
1919 718.79 10/3/2005 11/1/2005 10/1/2035
1920 1299.85 10/3/2005 12/1/2005 11/1/2035
1921 2049.96 9/20/2005 11/1/2005 10/1/2035
1922 460.38 10/3/2005 12/1/2005 11/1/2035
1923 840.86 9/13/2005 11/1/2005 10/1/2035
1924 2671.85 9/8/2005 11/1/2005 10/1/2035
1925 1697.16 9/7/2005 11/1/2005 10/1/2035
1926 2943.95 10/3/2005 12/1/2005 11/1/2035
1927 356.44 10/20/2005 12/1/2005 11/1/2020
1928 2739.1 9/9/2005 11/1/2005 10/1/2035
1929 298.18 9/22/2005 11/1/2005 10/1/2025
1930 1855.13 10/11/2005 12/1/2005 11/1/2035
1931 1143.17 10/25/2005 12/1/2005 11/1/2035
1932 2541.04 9/21/2005 11/1/2005 10/1/2035
1933 2314.34 10/24/2005 12/1/2005 11/1/2035
1934 1591.2 9/15/2005 11/1/2005 10/1/2035
1935 3258.06 9/26/2005 11/1/2005 10/1/2035
1936 1728.18 9/29/2005 11/1/2005 10/1/2035
1937 2502.99 10/20/2005 12/1/2005 11/1/2035
1938 194.93 10/12/2005 12/1/2005 11/1/2020
1939 1509.05 9/19/2005 11/1/2005 10/1/2035
1940 584.23 9/29/2005 11/1/2005 10/1/2035
1941 612.44 10/18/2005 12/1/2005 11/1/2035
1942 1975.78 10/12/2005 12/1/2005 11/1/2035
1943 1594.21 9/23/2005 11/1/2005 10/1/2035
1944 1930.53 10/20/2005 12/1/2005 11/1/2035
1945 1287 9/27/2005 11/1/2005 10/1/2035
1946 1305.13 9/28/2005 11/1/2005 10/1/2035
1947 463.2 10/24/2005 12/1/2005 11/1/2035
1948 1607.17 10/4/2005 12/1/2005 11/1/2035
1949 283.84 9/28/2005 11/1/2005 10/1/2020
1950 1901.33 10/12/2005 12/1/2005 11/1/2035
1951 3061.5 9/27/2005 11/1/2005 10/1/2035
1952 612.61 10/20/2005 12/1/2005 11/1/2035
1953 2322.99 10/18/2005 12/1/2005 11/1/2035
1954 433.46 10/3/2005 12/1/2005 11/1/2035
1955 979.69 9/28/2005 11/1/2005 10/1/2035
1956 1174.82 10/11/2005 12/1/2005 11/1/2035
1957 707.64 10/21/2005 12/1/2005 11/1/2035
1958 990.99 9/28/2005 11/1/2005 10/1/2035
1959 439.02 10/10/2005 12/1/2005 11/1/2035
1960 919.52 10/11/2005 12/1/2005 11/1/2035
1961 2333.25 10/20/2005 12/1/2005 11/1/2035
1962 2211.2 9/28/2005 11/1/2005 10/1/2035
1963 1261.94 9/27/2005 11/1/2005 10/1/2035
1964 2802.88 10/7/2005 12/1/2005 11/1/2035
1965 1884.17 10/4/2005 12/1/2005 11/1/2035
1966 1077.65 10/27/2005 12/1/2005 11/1/2035
1967 691.35 10/4/2005 12/1/2005 11/1/2035
1968 225.38 10/21/2005 12/1/2005 11/1/2035
1969 986.67 10/7/2005 12/1/2005 11/1/2035
1970 263.64 10/10/2005 12/1/2005 11/1/2020
1971 811.37 10/26/2005 12/1/2005 11/1/2035
1972 1343.5 9/29/2005 11/1/2005 10/1/2035
1973 1440 10/4/2005 12/1/2005 11/1/2035
1974 1337.25 10/14/2005 12/1/2005 11/1/2035
1975 1223.62 10/6/2005 12/1/2005 11/1/2035
1976 2096.5 10/3/2005 12/1/2005 11/1/2035
1977 2674.67 10/7/2005 12/1/2005 11/1/2035
1978 803.98 9/26/2005 11/1/2005 10/1/2035
1979 4824.7 10/4/2005 12/1/2005 11/1/2035
1980 2464.16 10/5/2005 12/1/2005 11/1/2035
1981 2521.78 10/4/2005 12/1/2005 11/1/2035
1982 2567.71 9/26/2005 11/1/2005 10/1/2035
1983 1551.18 10/25/2005 12/1/2005 11/1/2035
1984 3015 10/18/2005 12/1/2005 11/1/2035
1985 459.47 10/14/2005 12/1/2005 11/1/2035
1986 2609.6 10/6/2005 12/1/2005 11/1/2035
1987 1073.42 10/5/2005 12/1/2005 11/1/2035
1988 631.36 10/18/2005 12/1/2005 11/1/2035
1989 700.82 10/4/2005 12/1/2005 11/1/2035
1990 2100.24 10/27/2005 12/1/2005 11/1/2035
1991 990.83 10/3/2005 12/1/2005 11/1/2035
1992 1180.7 10/13/2005 12/1/2005 11/1/2035
1993 2218.51 10/5/2005 12/1/2005 11/1/2035
1994 631.38 10/5/2005 12/1/2005 11/1/2035
1995 2688 9/28/2005 11/1/2005 10/1/2035
1996 2213.5 10/11/2005 12/1/2005 11/1/2035
1997 354.92 10/27/2005 12/1/2005 11/1/2035
1998 946.51 10/5/2005 12/1/2005 11/1/2035
1999 889.66 10/12/2005 12/1/2005 11/1/2035
2000 1034.67 10/7/2005 12/1/2005 11/1/2035
2001 1957.2 10/3/2005 12/1/2005 11/1/2035
2002 1099.55 9/28/2005 11/1/2005 10/1/2035
2003 951.33 10/12/2005 12/1/2005 11/1/2035
2004 2625.21 10/5/2005 12/1/2005 11/1/2035
2005 392.66 10/13/2005 12/1/2005 11/1/2035
2006 570.38 10/12/2005 12/1/2005 11/1/2035
2007 1579.37 10/4/2005 12/1/2005 11/1/2035
2008 1115.05 10/10/2005 12/1/2005 11/1/2035
2009 1877.55 10/4/2005 12/1/2005 11/1/2035
2010 920.68 10/3/2005 12/1/2005 11/1/2035
2011 3307.34 10/3/2005 12/1/2005 11/1/2035
2012 558.55 10/11/2005 12/1/2005 11/1/2035
2013 1929.26 10/10/2005 12/1/2005 11/1/2035
2014 900.38 10/6/2005 12/1/2005 11/1/2035
2015 2991.57 10/13/2005 12/1/2005 11/1/2035
2016 3330.49 10/4/2005 12/1/2005 11/1/2035
2017 2335.7 10/12/2005 12/1/2005 11/1/2035
2018 669.91 10/6/2005 12/1/2005 11/1/2035
2019 139.13 10/13/2005 12/1/2005 11/1/2015
2020 2153.15 10/7/2005 12/1/2005 11/1/2035
2021 2023.53 9/30/2005 12/1/2005 11/1/2035
2022 1541.95 10/14/2005 12/1/2005 11/1/2035
2023 1523.48 10/20/2005 12/1/2005 11/1/2035
2024 611.12 10/18/2005 12/1/2005 11/1/2035
2025 514.45 10/7/2005 12/1/2005 11/1/2035
2026 1261.02 10/12/2005 12/1/2005 11/1/2035
2027 2833.33 9/29/2005 11/1/2005 10/1/2035
2028 2288.65 8/10/2005 10/1/2005 9/1/2035
2029 980.88 9/22/2005 11/1/2005 10/1/2035
2030 2881.93 9/28/2005 12/1/2005 11/1/2035
2031 3211.08 9/26/2005 11/1/2005 10/1/2035
2032 600.37 10/19/2005 12/1/2005 11/1/2035
2033 1110.72 10/3/2005 12/1/2005 11/1/2035
2034 4653.91 10/19/2005 12/1/2005 11/1/2035
2035 230.25 10/3/2005 12/1/2005 11/1/2020
2036 1953.65 9/2/2005 11/1/2005 10/1/2035
2037 1292 7/7/2005 9/1/2005 8/1/2035
2038 1185.9 9/30/2005 11/1/2005 10/1/2035
2039 3194.44 9/14/2005 11/1/2005 10/1/2035
2040 1007.02 10/6/2005 12/1/2005 11/1/2035
2041 463.48 10/6/2005 12/1/2005 11/1/2035
2042 1924.27 10/14/2005 12/1/2005 11/1/2035
2043 1714.78 9/1/2005 11/1/2005 10/1/2035
2044 618.57 9/20/2005 11/1/2005 10/1/2035
2045 727.41 9/15/2005 11/1/2005 10/1/2035
2046 991.57 9/13/2005 11/1/2005 10/1/2035
2047 1163.85 9/12/2005 11/1/2005 10/1/2035
2048 1187.32 9/9/2005 11/1/2005 10/1/2035
2049 1233.93 10/20/2005 12/1/2005 11/1/2035
2050 1914.14 9/14/2005 11/1/2005 10/1/2035
2051 383.45 9/9/2005 11/1/2005 10/1/2035
2052 1903.52 10/13/2005 12/1/2005 11/1/2035
2053 657.95 10/13/2005 12/1/2005 11/1/2035
2054 1379.3 9/13/2005 11/1/2005 10/1/2035
2055 1192.55 9/28/2005 12/1/2005 11/1/2035
2056 1545.96 10/7/2005 12/1/2005 11/1/2035
2057 1358.96 9/14/2005 11/1/2005 10/1/2035
2058 822.29 9/21/2005 11/1/2005 10/1/2035
2059 754.66 9/22/2005 11/1/2005 10/1/2035
2060 939.93 9/15/2005 11/1/2005 10/1/2035
2061 878.05 9/30/2005 12/1/2005 11/1/2035
2062 1316.47 10/18/2005 12/1/2005 11/1/2035
2063 874.58 9/26/2005 11/1/2005 10/1/2035
2064 1551.88 10/3/2005 12/1/2005 11/1/2035
2065 1206.2 10/7/2005 12/1/2005 11/1/2035
2066 826.35 9/21/2005 11/1/2005 10/1/2035
2067 3197.95 10/7/2005 12/1/2005 11/1/2035
2068 6233.32 10/14/2005 12/1/2005 11/1/2035
2069 1770.58 9/22/2005 11/1/2005 10/1/2035
2070 481.81 10/7/2005 12/1/2005 11/1/2035
2071 716.42 9/26/2005 11/1/2005 10/1/2035
2072 734.76 9/16/2005 11/1/2005 10/1/2035
2073 1365.71 10/18/2005 12/1/2005 11/1/2035
2074 1207.4 9/26/2005 11/1/2005 10/1/2035
2075 1566.95 9/30/2005 11/1/2005 10/1/2035
2076 1251.6 10/3/2005 12/1/2005 11/1/2035
2077 678.01 9/30/2005 11/1/2005 10/1/2035
2078 1224.34 10/4/2005 12/1/2005 11/1/2035
2079 248.1 9/30/2005 11/1/2005 10/1/2035
2080 1557.45 9/27/2005 12/1/2005 11/1/2035
2081 444.17 10/3/2005 12/1/2005 11/1/2035
2082 761.4 10/21/2005 12/1/2005 11/1/2035
2083 1221.88 10/18/2005 12/1/2005 11/1/2035
2084 1707.23 9/28/2005 12/1/2005 11/1/2035
2085 1139.77 10/12/2005 12/1/2005 11/1/2035
2086 958.26 10/12/2005 12/1/2005 11/1/2035
2087 1516.39 10/19/2005 12/1/2005 11/1/2035
2088 273.17 10/7/2005 12/1/2005 11/1/2020
2089 781.01 10/3/2005 12/1/2005 11/1/2035
2090 1774.17 10/5/2005 11/1/2005 10/1/2035
2091 1066.58 10/4/2005 12/1/2005 11/1/2035
2092 1296.79 10/13/2005 12/1/2005 11/1/2035
2093 1590.7 9/29/2005 11/1/2005 10/1/2035
2094 508.48 9/29/2005 11/1/2005 10/1/2035
2095 288.54 10/21/2005 12/1/2005 11/1/2035
2096 356.36 10/12/2005 12/1/2005 11/1/2035
2097 1391.13 10/17/2005 12/1/2005 11/1/2035
2098 639.59 10/7/2005 12/1/2005 11/1/2035
2099 2006 10/12/2005 12/1/2005 11/1/2035
2100 2077.14 10/18/2005 12/1/2005 11/1/2035
2101 246.46 10/7/2005 12/1/2005 11/1/2035
2102 474 10/14/2005 12/1/2005 11/1/2035
2103 1780.25 10/7/2005 11/1/2005 10/1/2035
2104 172.65 10/14/2005 12/1/2005 11/1/2020
2105 3700.96 10/17/2005 12/1/2005 11/1/2035
2106 4599.53 10/20/2005 12/1/2005 11/1/2035
2107 1387.64 10/7/2005 12/1/2005 11/1/2035
2108 760.5 10/10/2005 12/1/2005 11/1/2035
2109 925.32 10/20/2005 12/1/2005 11/1/2035
2110 1238.03 10/18/2005 12/1/2005 11/1/2035
2111 830.26 10/17/2005 12/1/2005 11/1/2035
2112 805.95 10/7/2005 12/1/2005 11/1/2035
2113 376.57 10/21/2005 12/1/2005 11/1/2035
2114 1297.74 10/20/2005 12/1/2005 11/1/2035
2115 568.85 10/25/2005 12/1/2005 11/1/2035
2116 478.21 10/12/2005 12/1/2005 11/1/2035
2117 1080.66 9/26/2005 11/1/2005 10/1/2035
2118 733.07 9/20/2005 11/1/2005 10/1/2035
2119 226.19 10/13/2005 12/1/2005 11/1/2015
2120 374.9 9/26/2005 11/1/2005 10/1/2035
2121 2126.82 10/5/2005 12/1/2005 11/1/2035
2122 2512.17 10/5/2005 12/1/2005 11/1/2035
2123 2516.4 10/4/2005 12/1/2005 11/1/2035
2124 965.79 10/4/2005 12/1/2005 11/1/2035
2125 249.59 10/14/2005 12/1/2005 11/1/2020
2126 722.26 10/6/2005 12/1/2005 11/1/2035
2127 396.27 9/29/2005 12/1/2005 11/1/2035
2128 1412.69 10/7/2005 12/1/2005 11/1/2035
2129 2821.56 10/11/2005 12/1/2005 11/1/2035
2130 703.54 10/19/2005 12/1/2005 11/1/2035
2131 1449.88 9/9/2005 11/1/2005 10/1/2035
2132 445.57 10/24/2005 12/1/2005 11/1/2035
2133 3155.32 9/28/2005 11/1/2005 10/1/2035
2134 1371.31 10/11/2005 12/1/2005 11/1/2035
2135 849.58 10/5/2005 12/1/2005 11/1/2035
2136 781.52 10/13/2005 12/1/2005 11/1/2035
2137 687.8 10/7/2005 12/1/2005 11/1/2035
2138 758.38 10/26/2005 12/1/2005 11/1/2035
2139 945.63 9/13/2005 11/1/2005 10/1/2035
2140 243.71 10/6/2005 12/1/2005 11/1/2035
2141 1838.32 10/3/2005 11/1/2005 10/1/2035
2142 2089.45 9/23/2005 11/1/2005 10/1/2035
2143 1945.18 10/14/2005 12/1/2005 11/1/2035
2144 587.18 10/6/2005 12/1/2005 11/1/2035
2145 412.87 9/30/2005 11/1/2005 10/1/2035
2146 653.26 10/25/2005 12/1/2005 11/1/2035
2147 737.44 10/27/2005 12/1/2005 11/1/2035
2148 873.98 10/3/2005 12/1/2005 11/1/2035
2149 3941.48 10/3/2005 12/1/2005 11/1/2035
2150 1642.71 10/21/2005 12/1/2005 11/1/2035
2151 534.2 10/25/2005 12/1/2005 11/1/2035
2152 1074.63 9/26/2005 11/1/2005 10/1/2035
2153 2541.44 9/30/2005 12/1/2005 11/1/2035
2154 446.03 9/27/2005 11/1/2005 10/1/2035
2155 1272.56 9/27/2005 11/1/2005 10/1/2035
2156 1197.3 9/29/2005 11/1/2005 10/1/2035
2157 1229.13 9/26/2005 11/1/2005 10/1/2035
2158 1831.45 9/29/2005 12/1/2005 11/1/2035
2159 1039.39 10/26/2005 12/1/2005 11/1/2035
2160 249.35 10/14/2005 12/1/2005 11/1/2020
2161 1944 10/13/2005 12/1/2005 11/1/2035
2162 1047.41 10/13/2005 12/1/2005 11/1/2035
2163 1036.91 10/26/2005 12/1/2005 11/1/2035
2164 1862.68 10/11/2005 12/1/2005 11/1/2035
2165 1786.81 10/6/2005 12/1/2005 11/1/2035
2166 2241.37 10/18/2005 12/1/2005 11/1/2035
2167 1622.72 10/11/2005 12/1/2005 11/1/2035
2168 1310.52 9/27/2005 12/1/2005 11/1/2035
2169 698.53 10/18/2005 12/1/2005 11/1/2035
2170 391.23 10/5/2005 12/1/2005 11/1/2035
2171 549.02 9/26/2005 11/1/2005 10/1/2035
2172 448.25 10/12/2005 12/1/2005 11/1/2035
2173 722.2 10/6/2005 12/1/2005 11/1/2035
2174 1989.43 9/30/2005 12/1/2005 11/1/2035
2175 1036.6 10/7/2005 12/1/2005 11/1/2035
2176 1042.94 10/7/2005 12/1/2005 11/1/2035
2177 704.86 10/13/2005 12/1/2005 11/1/2035
2178 1152.34 10/5/2005 12/1/2005 11/1/2035
2179 1807.8 9/21/2005 11/1/2005 10/1/2035
2180 544.17 10/21/2005 12/1/2005 11/1/2035
2181 2064.92 10/13/2005 12/1/2005 11/1/2035
2182 2760.77 10/18/2005 12/1/2005 11/1/2035
2183 908.62 10/4/2005 12/1/2005 11/1/2035
2184 1238.17 10/7/2005 12/1/2005 11/1/2035
2185 191.51 10/13/2005 12/1/2005 11/1/2020
2186 1548.24 9/30/2005 12/1/2005 11/1/2035
2187 1376.73 9/27/2005 11/1/2005 10/1/2035
2188 1355.09 9/1/2005 11/1/2005 10/1/2035
2189 942.78 10/17/2005 12/1/2005 11/1/2035
2190 1624.25 9/2/2005 11/1/2005 10/1/2035
2191 1450.55 10/14/2005 12/1/2005 11/1/2035
2192 396.93 10/10/2005 12/1/2005 11/1/2035
2193 702.12 10/19/2005 12/1/2005 11/1/2035
2194 2022.44 9/23/2005 11/1/2005 10/1/2035
2195 887.3 9/23/2005 11/1/2005 10/1/2035
2196 3937.5 10/5/2005 12/1/2005 11/1/2035
2197 757.02 10/3/2005 12/1/2005 11/1/2035
2198 1471.5 10/5/2005 12/1/2005 11/1/2035
2199 1481 9/29/2005 11/1/2005 10/1/2035
2200 726.77 9/26/2005 11/1/2005 10/1/2035
2201 1235.81 9/26/2005 11/1/2005 10/1/2035
2202 914.16 10/4/2005 12/1/2005 11/1/2035
2203 2056.72 9/19/2005 11/1/2005 10/1/2035
2204 651.39 10/4/2005 12/1/2005 11/1/2035
2205 273.17 9/30/2005 11/1/2005 10/1/2035
2206 1209.15 10/3/2005 12/1/2005 11/1/2035
2207 730 9/20/2005 11/1/2005 10/1/2035
2208 886.83 10/7/2005 12/1/2005 11/1/2035
2209 2654.83 10/20/2005 12/1/2005 11/1/2035
2210 299.92 10/18/2005 12/1/2005 11/1/2035
2211 4036.8 10/28/2005 12/1/2005 11/1/2035
2212 726 10/25/2005 12/1/2005 11/1/2035
2213 716 10/20/2005 12/1/2005 11/1/2035
2214 1629.83 10/19/2005 12/1/2005 11/1/2035
2215 1031.5 10/20/2005 12/1/2005 11/1/2035
2216 2091.76 10/18/2005 12/1/2005 11/1/2035
2217 4837.25 10/17/2005 12/1/2005 11/1/2035
2218 1253.9 10/5/2005 12/1/2005 11/1/2035
2219 1827.5 10/3/2005 12/1/2005 11/1/2035
2220 2669.44 10/20/2005 12/1/2005 11/1/2035
2221 1483.48 10/21/2005 12/1/2005 11/1/2035
2222 1511.71 10/26/2005 12/1/2005 11/1/2035
2223 2595.08 10/21/2005 12/1/2005 11/1/2035
2224 702.88 10/21/2005 12/1/2005 11/1/2035
2225 544.4 10/26/2005 12/1/2005 11/1/2035
2226 2283.01 10/28/2005 12/1/2005 11/1/2035
2227 5065.16 10/18/2005 12/1/2005 11/1/2035
2228 569.29 10/31/2005 12/1/2005 11/1/2035
2229 638.4 10/25/2005 12/1/2005 11/1/2035
2230 1505.95 10/17/2005 12/1/2005 11/1/2035
2231 638.7 10/27/2005 12/1/2005 11/1/2035
2232 2253.8 10/19/2005 12/1/2005 11/1/2035
2233 1959.72 10/20/2005 12/1/2005 11/1/2035
2234 251.41 10/25/2005 12/1/2005 11/1/2035
2235 1193.81 10/17/2005 12/1/2005 11/1/2035
2236 1390.43 9/22/2005 11/1/2005 10/1/2035
2237 756.62 10/5/2005 12/1/2005 11/1/2035
2238 618.52 9/19/2005 11/1/2005 10/1/2035
2239 1458.78 9/23/2005 11/1/2005 10/1/2035
2240 830.68 9/22/2005 11/1/2005 10/1/2035
2241 1258.59 10/21/2005 12/1/2005 11/1/2035
2242 761.84 10/13/2005 12/1/2005 11/1/2035
2243 1147.39 10/24/2005 12/1/2005 11/1/2035
2244 686 8/24/2005 10/1/2005 9/1/2035
2245 1703.65 10/19/2005 12/1/2005 11/1/2035
2246 1344.88 9/20/2005 11/1/2005 10/1/2035
2247 1331.61 9/15/2005 11/1/2005 10/1/2035
2248 2326.02 10/13/2005 12/1/2005 11/1/2035
2249 780.98 9/20/2005 11/1/2005 10/1/2035
2250 1269.69 9/27/2005 12/1/2005 11/1/2035
2251 418.85 9/27/2005 12/1/2005 11/1/2035
2252 457.37 9/27/2005 11/1/2005 10/1/2035
2253 177.08 10/11/2005 12/1/2005 11/1/2015
2254 2908.64 9/13/2005 11/1/2005 10/1/2035
2255 3454.76 10/21/2005 12/1/2005 11/1/2035
2256 1164.32 10/21/2005 12/1/2005 11/1/2035
2257 316.26 9/27/2005 11/1/2005 10/1/2035
2258 261.28 10/14/2005 12/1/2005 11/1/2020
2259 953.89 9/26/2005 11/1/2005 10/1/2035
2260 474.99 10/12/2005 12/1/2005 11/1/2035
2261 227.04 10/13/2005 12/1/2005 11/1/2035
2262 981.67 10/21/2005 12/1/2005 11/1/2035
2263 1020.73 10/7/2005 12/1/2005 11/1/2035
2264 922.6 10/24/2005 12/1/2005 11/1/2035
2265 225.81 10/4/2005 11/1/2005 10/1/2020
2266 3589.01 9/30/2005 12/1/2005 11/1/2035
2267 705.87 10/14/2005 12/1/2005 11/1/2035
2268 232.81 10/14/2005 12/1/2005 11/1/2035
2269 1522.26 10/11/2005 12/1/2005 11/1/2035
2270 500.8 10/11/2005 12/1/2005 11/1/2035
2271 528.35 10/14/2005 12/1/2005 11/1/2035
2272 716.42 9/30/2005 12/1/2005 11/1/2035
2273 1201.69 9/26/2005 11/1/2005 10/1/2035
2274 240.65 10/18/2005 12/1/2005 11/1/2020
2275 954.74 10/12/2005 12/1/2005 11/1/2035
2276 1520.21 9/28/2005 11/1/2005 10/1/2035
2277 485.88 10/12/2005 12/1/2005 11/1/2035
2278 385.72 9/30/2005 11/1/2005 10/1/2035
2279 530.55 9/28/2005 11/1/2005 10/1/2035
2280 274.91 10/27/2005 12/1/2005 11/1/2010
2281 1255.96 9/28/2005 12/1/2005 11/1/2035
2282 859.62 9/27/2005 11/1/2005 10/1/2035
2283 938.65 9/29/2005 11/1/2005 10/1/2035
2284 1569.45 10/3/2005 12/1/2005 11/1/2035
2285 596.8 10/21/2005 12/1/2005 11/1/2035
2286 567.58 10/27/2005 12/1/2005 11/1/2035
2287 2216.55 10/7/2005 12/1/2005 11/1/2035
2288 537.29 10/25/2005 12/1/2005 11/1/2035
2289 844.76 10/12/2005 12/1/2005 11/1/2035
2290 844.66 10/21/2005 12/1/2005 11/1/2035
2291 622.24 9/23/2005 11/1/2005 10/1/2035
2292 865.54 10/19/2005 12/1/2005 11/1/2035
2293 83.36 9/30/2005 11/1/2005 10/1/2035
2294 197.2 9/29/2005 12/1/2005 11/1/2015
2295 958.4 9/26/2005 11/1/2005 10/1/2035
2296 4542.32 10/4/2005 12/1/2005 11/1/2035
2297 549.86 10/5/2005 12/1/2005 11/1/2035
2298 812.34 9/21/2005 11/1/2005 10/1/2035
2299 2163.43 10/7/2005 12/1/2005 11/1/2035
2300 1795.5 10/4/2005 12/1/2005 11/1/2035
2301 258.87 10/21/2005 12/1/2005 11/1/2020
2302 1471.07 9/21/2005 11/1/2005 10/1/2035
2303 752.7 9/30/2005 11/1/2005 10/1/2035
2304 497.61 10/3/2005 12/1/2005 11/1/2035
2305 491.86 10/7/2005 12/1/2005 11/1/2035
2306 806.01 9/26/2005 11/1/2005 10/1/2035
2307 1107.84 9/30/2005 11/1/2005 10/1/2035
2308 166.3 10/5/2005 11/1/2005 10/1/2010
2309 1981.3 10/5/2005 12/1/2005 11/1/2035
2310 557.08 10/14/2005 12/1/2005 11/1/2035
2311 373.39 10/26/2005 12/1/2005 11/1/2035
2312 697.92 9/30/2005 11/1/2005 10/1/2035
2313 1571.96 9/27/2005 12/1/2005 11/1/2035
2314 1191.99 10/6/2005 12/1/2005 11/1/2035
2315 99.28 10/10/2005 12/1/2005 11/1/2015
2316 690.83 10/21/2005 12/1/2005 11/1/2035
2317 658.07 10/7/2005 12/1/2005 11/1/2035
2318 618.99 10/3/2005 12/1/2005 11/1/2035
2319 150.33 10/17/2005 12/1/2005 11/1/2015
2320 727.56 10/11/2005 12/1/2005 11/1/2035
2321 838.76 10/3/2005 11/1/2005 10/1/2035
2322 221.99 10/11/2005 12/1/2005 11/1/2035
2323 397.17 9/26/2005 11/1/2005 10/1/2035
2324 231.74 10/3/2005 12/1/2005 11/1/2020
2325 2508.17 8/26/2005 10/1/2005 9/1/2035
2326 1185.2 9/12/2005 11/1/2005 10/1/2035
2327 736.06 9/27/2005 11/1/2005 10/1/2035
2328 2322.22 8/30/2005 10/1/2005 9/1/2035
2329 2682.76 8/29/2005 10/1/2005 9/1/2035
2330 990.91 10/18/2005 11/1/2005 10/1/2035
2331 269.57 10/14/2005 12/1/2005 11/1/2035
2332 3379.46 10/18/2005 12/1/2005 11/1/2035
2333 780.33 9/15/2005 11/1/2005 10/1/2035
2334 1241.62 9/23/2005 11/1/2005 10/1/2035
2335 1130.07 9/19/2005 11/1/2005 10/1/2035
2336 1811.09 10/3/2005 11/1/2005 10/1/2035
2337 811.62 10/20/2005 12/1/2005 11/1/2035
2338 333.65 10/7/2005 12/1/2005 11/1/2035
2339 1941.27 9/1/2005 11/1/2005 10/1/2035
2340 856.43 9/30/2005 11/1/2005 10/1/2035
2341 1367.59 9/12/2005 11/1/2005 10/1/2035
2342 4617.88 9/23/2005 11/1/2005 10/1/2035
2343 5014.98 10/26/2005 12/1/2005 11/1/2035
2344 5162.34 9/13/2005 11/1/2005 10/1/2035
2345 3155.34 9/19/2005 11/1/2005 10/1/2035
2346 1390.43 10/12/2005 12/1/2005 11/1/2035
2347 2134.29 10/25/2005 12/1/2005 11/1/2035
2348 751.74 10/25/2005 12/1/2005 11/1/2035
2349 2784.56 9/28/2005 11/1/2005 10/1/2035
2350 3133.58 9/9/2005 11/1/2005 10/1/2035
2351 3848.38 9/23/2005 11/1/2005 10/1/2035
2352 1179.15 9/26/2005 11/1/2005 10/1/2035
2353 2140.72 10/5/2005 12/1/2005 11/1/2035
2354 652.28 10/10/2005 12/1/2005 11/1/2035
2355 849.17 10/3/2005 12/1/2005 11/1/2035
2356 3001.98 10/21/2005 12/1/2005 11/1/2035
2357 574.73 10/3/2005 11/1/2005 10/1/2035
2358 1377.68 10/18/2005 12/1/2005 11/1/2035
2359 1526.13 10/14/2005 12/1/2005 11/1/2035
2360 667.46 9/28/2005 11/1/2005 10/1/2035
2361 1943.4 10/20/2005 12/1/2005 11/1/2035
2362 1349 10/3/2005 12/1/2005 11/1/2035
2363 5121.22 10/7/2005 12/1/2005 11/1/2035
2364 451.22 10/17/2005 12/1/2005 11/1/2035
2365 702.77 10/19/2005 12/1/2005 11/1/2035
2366 505.74 10/3/2005 12/1/2005 11/1/2035
2367 2057.15 9/30/2005 12/1/2005 11/1/2035
2368 1524.49 9/30/2005 11/1/2005 10/1/2035
2369 705.48 10/4/2005 12/1/2005 11/1/2035
2370 828.57 10/5/2005 12/1/2005 11/1/2035
2371 1710.94 10/5/2005 12/1/2005 11/1/2035
2372 1318.98 9/26/2005 11/1/2005 10/1/2035
2373 879.8 10/19/2005 12/1/2005 11/1/2035
2374 141.23 10/14/2005 12/1/2005 11/1/2015
2375 1186.27 10/5/2005 12/1/2005 11/1/2035
2376 150.29 10/3/2005 11/1/2005 10/1/2010
2377 727.43 10/4/2005 12/1/2005 11/1/2035
2378 606.81 9/27/2005 11/1/2005 10/1/2035
2379 269.88 9/27/2005 11/1/2005 10/1/2020
2380 1226.6 10/7/2005 12/1/2005 11/1/2035
2381 275.84 10/4/2005 12/1/2005 11/1/2035
2382 942.81 10/6/2005 12/1/2005 11/1/2035
2383 226.76 10/3/2005 12/1/2005 11/1/2020
2384 676.14 9/30/2005 12/1/2005 11/1/2035
2385 260.51 10/10/2005 12/1/2005 11/1/2035
2386 1342 10/4/2005 12/1/2005 11/1/2035
2387 629.79 10/4/2005 12/1/2005 11/1/2035
2388 291.59 10/19/2005 12/1/2005 11/1/2035
2389 257.12 10/18/2005 12/1/2005 11/1/2020
2390 1274.09 9/26/2005 11/1/2005 10/1/2035
2391 605.36 10/14/2005 12/1/2005 11/1/2035
2392 852.96 10/19/2005 12/1/2005 11/1/2035
2393 1231.65 10/21/2005 12/1/2005 11/1/2035
2394 273.59 10/17/2005 12/1/2005 11/1/2020
2395 764.67 10/14/2005 12/1/2005 11/1/2035
2396 1297.42 10/10/2005 12/1/2005 11/1/2035
2397 229.31 10/7/2005 12/1/2005 11/1/2010
2398 272.46 10/13/2005 12/1/2005 11/1/2035
2399 1517.56 10/4/2005 11/1/2005 10/1/2035
2400 563.24 9/30/2005 12/1/2005 11/1/2035
2401 868.4 10/11/2005 12/1/2005 11/1/2035
2402 341.46 10/20/2005 12/1/2005 11/1/2020
2403 752.27 9/30/2005 12/1/2005 11/1/2035
2404 1602.06 9/28/2005 11/1/2005 10/1/2035
2405 3191.11 9/2/2005 11/1/2005 10/1/2035
2406 1059.12 10/25/2005 12/1/2005 11/1/2035
2407 2386.87 10/21/2005 12/1/2005 11/1/2035
2408 4652.25 10/19/2005 12/1/2005 11/1/2035
2409 1219.58 10/21/2005 12/1/2005 11/1/2035
2410 609.51 10/19/2005 12/1/2005 11/1/2035
2411 1393.98 10/14/2005 12/1/2005 11/1/2035
2412 875.55 10/5/2005 12/1/2005 11/1/2035
2413 720.14 10/7/2005 12/1/2005 11/1/2035
2414 794.83 10/27/2005 12/1/2005 11/1/2035
2415 683.11 10/6/2005 12/1/2005 11/1/2035
2416 875.73 10/6/2005 12/1/2005 11/1/2035
2417 937.03 10/14/2005 12/1/2005 11/1/2035
2418 1296.08 10/14/2005 12/1/2005 11/1/2035
2419 725.77 10/12/2005 12/1/2005 11/1/2035
2420 5009.46 10/28/2005 12/1/2005 11/1/2035
2421 3460.19 9/19/2005 11/1/2005 10/1/2035
2422 1471.99 9/12/2005 11/1/2005 10/1/2035
2423 1557.75 9/27/2005 11/1/2005 10/1/2035
2424 806.04 9/16/2005 11/1/2005 10/1/2035
2425 1495.05 9/9/2005 11/1/2005 10/1/2035
2426 533.9 9/9/2005 11/1/2005 10/1/2020
2427 1063.96 9/20/2005 11/1/2005 10/1/2035
2428 397.56 9/7/2005 11/1/2005 10/1/2020
2429 874.01 9/19/2005 11/1/2005 10/1/2035
2430 1927 9/15/2005 11/1/2005 10/1/2035
2431 852.84 9/15/2005 11/1/2005 10/1/2020
2432 1350.43 9/20/2005 11/1/2005 10/1/2020
2433 575.78 10/5/2005 12/1/2005 11/1/2035
2434 1316.37 9/27/2005 11/1/2005 10/1/2035
2435 824.42 10/21/2005 12/1/2005 11/1/2035
2436 3008.94 10/13/2005 12/1/2005 11/1/2035
2437 579.35 10/7/2005 12/1/2005 11/1/2035
2438 1922.67 9/16/2005 11/1/2005 10/1/2035
2439 789.83 10/3/2005 11/1/2005 10/1/2035
2440 1085.56 10/3/2005 12/1/2005 11/1/2035
2441 177.78 10/14/2005 12/1/2005 11/1/2015
2442 1751.07 10/12/2005 12/1/2005 11/1/2035
2443 533.44 10/6/2005 12/1/2005 11/1/2035
2444 252.3 10/3/2005 11/1/2005 10/1/2035
2445 1427.73 9/23/2005 11/1/2005 10/1/2035
2446 269.09 10/3/2005 12/1/2005 11/1/2035
2447 2579.4 10/18/2005 12/1/2005 11/1/2035
2448 741.48 9/29/2005 12/1/2005 11/1/2035
2449 2811.15 10/28/2005 12/1/2005 11/1/2035
2450 668.51 10/27/2005 12/1/2005 11/1/2035
2451 2392.68 10/6/2005 12/1/2005 11/1/2035
2452 5208.02 10/21/2005 12/1/2005 11/1/2035
2453 1527.5 10/17/2005 12/1/2005 11/1/2035
2454 3295.31 10/11/2005 12/1/2005 11/1/2035
2455 1847.16 10/17/2005 12/1/2005 11/1/2035
2456 2408.12 10/6/2005 12/1/2005 11/1/2035
2457 1441.69 10/6/2005 12/1/2005 11/1/2035
2458 942.75 10/7/2005 12/1/2005 11/1/2035
2459 2275.85 10/6/2005 12/1/2005 11/1/2035
2460 1896.83 10/21/2005 12/1/2005 11/1/2035
2461 978.97 10/5/2005 12/1/2005 11/1/2035
2462 745.31 10/11/2005 12/1/2005 11/1/2035
2463 1000.26 10/11/2005 12/1/2005 11/1/2035
2464 732.8 9/30/2005 11/1/2005 10/1/2035
2465 1496.1 9/15/2005 11/1/2005 10/1/2035
2466 495.06 9/15/2005 11/1/2005 10/1/2020
2467 2362.5 9/22/2005 11/1/2005 10/1/2035
2468 992.01 9/22/2005 11/1/2005 10/1/2020
2469 572.62 9/26/2005 11/1/2005 10/1/2035
2470 249.48 9/26/2005 11/1/2005 10/1/2020
2471 1898.33 9/23/2005 11/1/2005 10/1/2035
2472 2073.89 9/21/2005 11/1/2005 10/1/2035
2473 859 9/21/2005 11/1/2005 10/1/2020
2474 2026.38 9/23/2005 11/1/2005 10/1/2035
2475 1680.94 9/27/2005 11/1/2005 10/1/2035
2476 1150.62 9/28/2005 12/1/2005 11/1/2035
2477 2818.8 9/29/2005 12/1/2005 11/1/2035
2478 553.69 10/17/2005 12/1/2005 11/1/2035
2479 2353.93 10/5/2005 12/1/2005 11/1/2035
2480 1924.69 10/11/2005 12/1/2005 11/1/2035
2481 1037.17 10/11/2005 12/1/2005 11/1/2035
2482 2613 10/10/2005 12/1/2005 11/1/2035
2483 1164.17 10/7/2005 12/1/2005 11/1/2035
2484 1149.51 10/20/2005 12/1/2005 11/1/2035
2485 1619.13 10/7/2005 12/1/2005 11/1/2035
2486 1965 10/4/2005 12/1/2005 11/1/2035
2487 1020 10/5/2005 12/1/2005 11/1/2035
2488 581.6 10/14/2005 12/1/2005 11/1/2035
2489 445.5 10/21/2005 12/1/2005 11/1/2025
2490 607.58 10/17/2005 12/1/2005 11/1/2035
2491 405.37 10/14/2005 12/1/2005 11/1/2035
2492 1661.58 10/21/2005 12/1/2005 11/1/2035
2493 1459.98 10/19/2005 12/1/2005 11/1/2035
2494 485.54 10/10/2005 12/1/2005 11/1/2035
2495 1085.95 10/14/2005 12/1/2005 11/1/2035
2496 320.82 10/21/2005 12/1/2005 11/1/2035
2497 256.74 10/14/2005 12/1/2005 11/1/2035
2498 967.79 10/11/2005 12/1/2005 11/1/2035
2499 438.42 10/18/2005 12/1/2005 11/1/2035
2500 909.48 10/19/2005 12/1/2005 11/1/2035
2501 1433.07 10/17/2005 12/1/2005 11/1/2035
2502 900.25 10/21/2005 12/1/2005 11/1/2035
2503 4076.6 10/18/2005 12/1/2005 11/1/2035
2504 1006.35 10/26/2005 12/1/2005 11/1/2035
2505 1770.22 10/14/2005 12/1/2005 11/1/2035
2506 814.73 9/26/2005 11/1/2005 10/1/2035
2507 3162.71 9/26/2005 11/1/2005 10/1/2035
2508 1642.11 9/27/2005 11/1/2005 10/1/2035
2509 1640.65 9/28/2005 11/1/2005 10/1/2035
2510 607.91 9/28/2005 11/1/2005 10/1/2020
2511 2532.06 9/29/2005 12/1/2005 11/1/2035
2512 1029.27 9/29/2005 12/1/2005 11/1/2020
2513 1105.08 9/26/2005 11/1/2005 10/1/2035
2514 410.29 10/5/2005 12/1/2005 11/1/2035
2515 264.46 10/5/2005 12/1/2005 11/1/2020
2516 1681.49 9/26/2005 11/1/2005 10/1/2035
2517 1942.5 9/26/2005 11/1/2005 10/1/2035
2518 875.51 9/29/2005 11/1/2005 10/1/2035
2519 345.27 9/29/2005 11/1/2005 10/1/2020
2520 2052.87 9/26/2005 11/1/2005 10/1/2035
2521 2545.46 9/29/2005 12/1/2005 11/1/2035
2522 1881 9/27/2005 11/1/2005 10/1/2035
2523 761.6 9/27/2005 11/1/2005 10/1/2020
2524 1353.75 9/29/2005 12/1/2005 11/1/2035
2525 557.95 9/29/2005 12/1/2005 11/1/2020
2526 2027.25 9/23/2005 11/1/2005 10/1/2035
2527 1497.66 9/26/2005 11/1/2005 10/1/2035
2528 641.21 9/28/2005 12/1/2005 11/1/2020
2529 2205 9/27/2005 12/1/2005 11/1/2035
2530 892.78 9/27/2005 12/1/2005 11/1/2020
2531 2199.17 9/30/2005 12/1/2005 11/1/2035
2532 866.61 9/30/2005 12/1/2005 11/1/2020
2533 1299.38 9/27/2005 12/1/2005 11/1/2035
2534 393.49 9/30/2005 11/1/2005 10/1/2035
2535 2031.25 8/30/2005 10/1/2005 9/1/2035
2536 951.33 8/30/2005 10/1/2005 9/1/2020
2537 1840.92 8/22/2005 10/1/2005 9/1/2035
2538 568.7 9/21/2005 11/1/2005 10/1/2035
2539 4212 8/17/2005 10/1/2005 9/1/2035
2540 1339.68 9/6/2005 10/1/2005 9/1/2035
2541 812.13 8/17/2005 10/1/2005 9/1/2035
2542 312.45 9/2/2005 10/1/2005 9/1/2020
2543 1058.94 8/26/2005 10/1/2005 9/1/2035
2544 942.47 8/24/2005 10/1/2005 9/1/2035
2545 536.05 9/6/2005 11/1/2005 10/1/2035
2546 668.53 8/26/2005 10/1/2005 9/1/2035
2547 1018.12 8/30/2005 10/1/2005 9/1/2020
2548 510.06 9/27/2005 11/1/2005 10/1/2020
2549 2097 9/7/2005 10/1/2005 9/1/2035
2550 884.91 9/9/2005 11/1/2005 10/1/2020
2551 635.93 8/25/2005 10/1/2005 9/1/2035
2552 1222.57 8/24/2005 10/1/2005 9/1/2035
2553 687.78 8/18/2005 10/1/2005 9/1/2035
2554 594.33 8/23/2005 10/1/2005 9/1/2035
2555 1836.62 8/16/2005 10/1/2005 9/1/2035
2556 2199.2 8/16/2005 10/1/2005 9/1/2035
2557 2074.59 9/2/2005 10/1/2005 9/1/2035
2558 2054.76 8/23/2005 10/1/2005 9/1/2035
2559 2884.68 8/30/2005 10/1/2005 9/1/2035
2560 2532.71 8/24/2005 10/1/2005 9/1/2035
2561 2051.51 8/22/2005 10/1/2005 9/1/2035
2562 713.54 9/9/2005 10/1/2005 9/1/2035
2563 214.79 9/9/2005 10/1/2005 9/1/2020
2564 1289.03 8/30/2005 10/1/2005 9/1/2035
2565 2381.06 8/29/2005 10/1/2005 9/1/2035
2566 953.44 8/29/2005 10/1/2005 9/1/2035
2567 608.53 8/23/2005 10/1/2005 9/1/2035
2568 2705.02 8/31/2005 10/1/2005 9/1/2035
2569 2025 8/24/2005 10/1/2005 9/1/2035
2570 966.22 9/28/2005 11/1/2005 10/1/2035
2571 2399.9 8/30/2005 10/1/2005 9/1/2035
2572 1035.75 8/30/2005 10/1/2005 9/1/2020
2573 2115.99 8/29/2005 10/1/2005 9/1/2035
2574 1439.52 8/30/2005 10/1/2005 9/1/2035
2575 521.94 8/30/2005 10/1/2005 9/1/2020
2576 1533.35 8/29/2005 10/1/2005 9/1/2035
2577 2816.74 8/31/2005 10/1/2005 9/1/2035
2578 620.63 9/9/2005 11/1/2005 10/1/2035
2579 1053.51 8/30/2005 10/1/2005 9/1/2035
2580 2108.33 9/1/2005 10/1/2005 9/1/2035
2581 853.61 9/1/2005 10/1/2005 9/1/2020
2582 1327.87 8/25/2005 10/1/2005 9/1/2035
2583 1228.46 9/2/2005 10/1/2005 9/1/2035
2584 1629.62 8/31/2005 10/1/2005 9/1/2035
2585 1295.33 8/31/2005 10/1/2005 9/1/2035
2586 520.6 8/31/2005 10/1/2005 9/1/2020
2587 1384.89 8/31/2005 10/1/2005 9/1/2035
2588 1191.51 9/7/2005 10/1/2005 9/1/2035
2589 892.57 8/29/2005 10/1/2005 9/1/2035
2590 1337.02 8/30/2005 10/1/2005 9/1/2035
2591 709.22 9/22/2005 11/1/2005 10/1/2035
2592 1607.81 8/25/2005 10/1/2005 9/1/2035
2593 761.25 9/14/2005 11/1/2005 10/1/2020
2594 2559.38 9/29/2005 11/1/2005 10/1/2035
2595 2235.31 8/19/2005 10/1/2005 9/1/2035
2596 752.23 9/21/2005 11/1/2005 10/1/2035
2597 1510.08 8/25/2005 10/1/2005 9/1/2035
2598 1003.96 8/24/2005 10/1/2005 9/1/2035
2599 5479.18 8/25/2005 10/1/2005 9/1/2035
2600 677.71 8/25/2005 10/1/2005 9/1/2020
2601 2825.52 8/25/2005 10/1/2005 9/1/2020
2602 543.83 9/19/2005 11/1/2005 10/1/2035
2603 247.6 9/19/2005 11/1/2005 10/1/2020
2604 2631.04 9/7/2005 11/1/2005 10/1/2035
2605 1033.05 9/2/2005 10/1/2005 9/1/2035
2606 346.65 9/2/2005 10/1/2005 9/1/2020
2607 1599.49 9/20/2005 11/1/2005 10/1/2035
2608 1402.95 9/6/2005 10/1/2005 9/1/2035
2609 1703.81 9/12/2005 11/1/2005 10/1/2035
2610 1690.7 9/9/2005 10/1/2005 9/1/2035
2611 1581.35 8/31/2005 10/1/2005 9/1/2035
2612 570.73 8/31/2005 10/1/2005 9/1/2035
2613 702.64 8/24/2005 10/1/2005 9/1/2035
2614 580.2 8/31/2005 10/1/2005 9/1/2035
2615 3730.73 8/24/2005 10/1/2005 9/1/2035
2616 995.68 8/25/2005 10/1/2005 9/1/2035
2617 546.56 8/31/2005 10/1/2005 9/1/2020
2618 3497.15 8/31/2005 10/1/2005 9/1/2035
2619 1088.67 9/7/2005 10/1/2005 9/1/2035
2620 1424.41 8/31/2005 10/1/2005 9/1/2035
2621 1878.64 9/27/2005 11/1/2005 10/1/2035
2622 2528.82 9/9/2005 10/1/2005 9/1/2035
2623 1555.57 9/29/2005 11/1/2005 10/1/2035
2624 1205.4 8/30/2005 10/1/2005 9/1/2035
2625 1235.68 8/24/2005 10/1/2005 9/1/2035
2626 1077.61 9/14/2005 11/1/2005 10/1/2035
2627 1078.13 9/7/2005 10/1/2005 9/1/2035
2628 1910.05 8/19/2005 10/1/2005 9/1/2035
2629 1337.33 9/6/2005 10/1/2005 9/1/2035
2630 5898.03 8/31/2005 10/1/2005 9/1/2035
2631 1970.34 8/29/2005 10/1/2005 9/1/2035
2632 1954.44 8/23/2005 10/1/2005 9/1/2035
2633 630.87 8/23/2005 10/1/2005 9/1/2035
2634 815.17 8/29/2005 10/1/2005 9/1/2035
2635 1334 9/8/2005 10/1/2005 9/1/2035
2636 1491.75 8/26/2005 10/1/2005 9/1/2035
2637 526.39 8/26/2005 10/1/2005 9/1/2020
2638 1418.43 9/7/2005 11/1/2005 10/1/2035
2639 1595.05 9/14/2005 11/1/2005 10/1/2035
2640 2270.25 9/8/2005 10/1/2005 9/1/2035
2641 1452.21 8/29/2005 10/1/2005 9/1/2035
2642 3600.95 9/30/2005 11/1/2005 10/1/2035
2643 530.55 9/8/2005 10/1/2005 9/1/2020
2644 252.04 8/29/2005 10/1/2005 9/1/2020
2645 3295.83 9/15/2005 11/1/2005 10/1/2035
2646 519.93 9/7/2005 10/1/2005 9/1/2020
2647 851.61 9/12/2005 11/1/2005 10/1/2020
2648 445.31 9/6/2005 10/1/2005 9/1/2035
2649 810.95 9/15/2005 11/1/2005 10/1/2035
2650 1824.5 8/30/2005 10/1/2005 9/1/2035
2651 719 8/30/2005 10/1/2005 9/1/2020
2652 652.96 9/14/2005 11/1/2005 10/1/2020
2653 2521.95 9/2/2005 10/1/2005 9/1/2035
2654 2006.67 9/8/2005 10/1/2005 9/1/2035
2655 467.58 9/7/2005 11/1/2005 10/1/2035
2656 1417.93 8/26/2005 10/1/2005 9/1/2020
2657 1232.94 8/30/2005 10/1/2005 9/1/2035
2658 1950.32 8/29/2005 10/1/2005 9/1/2035
2659 804.01 8/29/2005 10/1/2005 9/1/2020
2660 4753.38 8/31/2005 10/1/2005 9/1/2020
2661 2484.95 9/2/2005 10/1/2005 9/1/2035
2662 2429.23 8/31/2005 10/1/2005 9/1/2035
2663 578.4 8/30/2005 10/1/2005 9/1/2020
2664 2178.21 9/8/2005 10/1/2005 9/1/2035
2665 350.73 8/25/2005 10/1/2005 9/1/2020
2666 2219.12 9/30/2005 11/1/2005 10/1/2035
2667 1200.65 9/8/2005 10/1/2005 9/1/2035
2668 2191.84 9/9/2005 10/1/2005 9/1/2035
2669 1194.68 9/30/2005 11/1/2005 10/1/2035
2670 1134.68 8/30/2005 10/1/2005 9/1/2035
2671 430.4 8/30/2005 10/1/2005 9/1/2020
2672 3391.5 9/6/2005 10/1/2005 9/1/2035
2673 1591.42 9/21/2005 11/1/2005 10/1/2035
2674 1546.17 8/29/2005 10/1/2005 9/1/2035
2675 2628.53 9/19/2005 11/1/2005 10/1/2035
2676 636.52 10/13/2005 12/1/2005 11/1/2035
2677 1273.25 9/2/2005 10/1/2005 9/1/2035
2678 641.51 10/12/2005 12/1/2005 11/1/2035
2679 504.87 10/6/2005 12/1/2005 11/1/2035
2680 1781.86 8/23/2005 10/1/2005 9/1/2035
2681 1011.94 8/29/2005 10/1/2005 9/1/2035
2682 332.85 9/2/2005 10/1/2005 9/1/2020
2683 401.95 8/31/2005 10/1/2005 9/1/2020
2684 1127.65 8/25/2005 10/1/2005 9/1/2035
2685 3765.46 10/3/2005 11/1/2005 10/1/2035
2686 3288.36 9/15/2005 11/1/2005 10/1/2035
2687 3266.67 9/15/2005 11/1/2005 10/1/2035
2688 679.96 9/30/2005 11/1/2005 10/1/2020
2689 2383.33 10/4/2005 11/1/2005 10/1/2035
2690 1024.77 10/4/2005 11/1/2005 10/1/2020
2691 819.81 9/8/2005 10/1/2005 9/1/2020
2692 965.75 9/2/2005 10/1/2005 9/1/2035
2693 1506.09 9/7/2005 10/1/2005 9/1/2035
2694 1053.89 8/30/2005 10/1/2005 9/1/2035
2695 1588.48 9/8/2005 11/1/2005 10/1/2035
2696 5580 8/31/2005 10/1/2005 9/1/2035
2697 773.56 9/19/2005 11/1/2005 10/1/2035
2698 618.31 9/26/2005 11/1/2005 10/1/2035
2699 744.25 9/9/2005 11/1/2005 10/1/2035
2700 1275.8 9/12/2005 11/1/2005 10/1/2035
2701 1238.85 9/14/2005 11/1/2005 10/1/2035
2702 1101.75 8/31/2005 10/1/2005 9/1/2035
2703 1202.18 9/21/2005 11/1/2005 10/1/2035
2704 1224.6 9/21/2005 11/1/2005 10/1/2035
2705 1146.58 9/2/2005 10/1/2005 9/1/2035
2706 867.25 9/13/2005 11/1/2005 10/1/2035
2707 1538.33 8/30/2005 10/1/2005 9/1/2035
2708 649.46 8/30/2005 10/1/2005 9/1/2020
2709 1710 9/8/2005 10/1/2005 9/1/2035
2710 1196 10/5/2005 11/1/2005 10/1/2035
2711 1855.9 9/14/2005 11/1/2005 10/1/2035
2712 765.06 9/14/2005 11/1/2005 10/1/2020
2713 417.81 8/29/2005 10/1/2005 9/1/2020
2714 3726.67 8/29/2005 10/1/2005 9/1/2035
2715 1729.6 8/29/2005 10/1/2005 9/1/2020
2716 1355.55 9/8/2005 11/1/2005 10/1/2035
2717 1976.59 9/28/2005 11/1/2005 10/1/2035
2718 854.71 9/28/2005 11/1/2005 10/1/2020
2719 1950.24 9/7/2005 10/1/2005 9/1/2035
2720 1377.8 9/22/2005 11/1/2005 10/1/2035
2721 1003.75 9/27/2005 11/1/2005 10/1/2035
2722 394.12 9/27/2005 11/1/2005 10/1/2020
2723 1946.77 9/15/2005 11/1/2005 10/1/2035
2724 1183.88 9/20/2005 11/1/2005 10/1/2035
2725 480.37 9/20/2005 11/1/2005 10/1/2035
2726 1444.43 9/21/2005 11/1/2005 10/1/2035
2727 2283.75 8/31/2005 10/1/2005 9/1/2035
2728 838.75 9/14/2005 11/1/2005 10/1/2020
2729 299.92 9/8/2005 11/1/2005 10/1/2020
2730 3087.09 9/16/2005 11/1/2005 10/1/2035
2731 5458.03 9/7/2005 11/1/2005 10/1/2035
2732 2902.4 9/7/2005 11/1/2005 10/1/2020
2733 2128.54 8/29/2005 10/1/2005 9/1/2035
2734 850.69 9/12/2005 11/1/2005 10/1/2035
2735 1364.92 9/30/2005 11/1/2005 10/1/2035
2736 2079.55 9/15/2005 11/1/2005 10/1/2035
2737 1019.38 9/27/2005 11/1/2005 10/1/2035
2738 3665.99 9/23/2005 11/1/2005 10/1/2035
2739 1440.75 9/14/2005 11/1/2005 10/1/2035
2740 938.26 9/12/2005 11/1/2005 10/1/2035
2741 599.95 9/14/2005 11/1/2005 10/1/2035
2742 1158.6 9/19/2005 11/1/2005 10/1/2035
2743 2384.58 9/22/2005 11/1/2005 10/1/2035
2744 972.56 9/9/2005 11/1/2005 10/1/2020
2745 3068.33 9/7/2005 10/1/2005 9/1/2035
2746 607.84 9/7/2005 10/1/2005 9/1/2020
2747 1822.17 8/31/2005 10/1/2005 9/1/2035
2748 2421.66 9/28/2005 11/1/2005 10/1/2035
2749 1448.97 9/9/2005 11/1/2005 10/1/2035
2750 722.19 10/4/2005 12/1/2005 11/1/2035
2751 939.53 9/2/2005 11/1/2005 10/1/2035
2752 392.16 9/2/2005 11/1/2005 10/1/2020
2753 1429.56 9/26/2005 11/1/2005 10/1/2035
2754 3038.01 9/29/2005 11/1/2005 10/1/2035
2755 1250.83 9/7/2005 10/1/2005 9/1/2035
2756 1150.1 9/28/2005 11/1/2005 10/1/2035
2757 1258.59 10/7/2005 11/1/2005 10/1/2035
2758 2641.18 8/31/2005 10/1/2005 9/1/2035
2759 1071.23 10/24/2005 12/1/2005 11/1/2035
2760 657.74 9/15/2005 11/1/2005 10/1/2020
2761 1286.15 8/31/2005 10/1/2005 9/1/2035
2762 904.46 9/13/2005 11/1/2005 10/1/2035
2763 737.77 9/29/2005 11/1/2005 10/1/2035
2764 1330.6 9/21/2005 11/1/2005 10/1/2035
2765 2099.79 9/19/2005 11/1/2005 10/1/2035
2766 1520.58 10/4/2005 11/1/2005 10/1/2035
2767 2380.63 9/9/2005 11/1/2005 10/1/2035
2768 1076.7 10/7/2005 11/1/2005 10/1/2035
2769 2550 9/20/2005 11/1/2005 10/1/2035
2770 793.25 10/3/2005 11/1/2005 10/1/2035
2771 1682.08 9/15/2005 11/1/2005 10/1/2035
2772 982.8 9/22/2005 11/1/2005 10/1/2035
2773 381.94 9/22/2005 11/1/2005 10/1/2020
2774 477.84 9/22/2005 11/1/2005 10/1/2035
2775 4557.29 9/20/2005 11/1/2005 10/1/2035
2776 1591.15 10/4/2005 11/1/2005 10/1/2035
2777 664.1 10/4/2005 11/1/2005 10/1/2020
2778 1046.25 9/22/2005 11/1/2005 10/1/2035
2779 1412.88 9/26/2005 11/1/2005 10/1/2035
2780 917.57 9/8/2005 11/1/2005 10/1/2020
2781 1315.16 9/21/2005 11/1/2005 10/1/2035
2782 4237.33 9/14/2005 11/1/2005 10/1/2035
2783 2849.37 9/13/2005 11/1/2005 10/1/2035
2784 909.58 9/28/2005 11/1/2005 10/1/2035
2785 357.96 9/28/2005 11/1/2005 10/1/2020
2786 3655.47 10/3/2005 11/1/2005 10/1/2035
2787 725.84 10/6/2005 12/1/2005 11/1/2035
2788 1331.97 9/20/2005 11/1/2005 10/1/2035
2789 478.93 9/28/2005 11/1/2005 10/1/2035
2790 1671.55 11/2/2005 12/1/2005 11/1/2035
2791 1283.58 9/27/2005 11/1/2005 10/1/2035
2792 925.48 9/9/2005 10/1/2005 9/1/2020
2793 937.42 9/15/2005 11/1/2005 10/1/2020
2794 643.23 9/23/2005 11/1/2005 10/1/2035
2795 2048.5 9/23/2005 11/1/2005 10/1/2035
2796 1220.46 9/13/2005 11/1/2005 10/1/2035
2797 1695.01 9/23/2005 11/1/2005 10/1/2035
2798 909.27 9/20/2005 11/1/2005 10/1/2035
2799 2796 10/20/2005 12/1/2005 11/1/2035
2800 1127.61 9/26/2005 11/1/2005 10/1/2035
2801 779.57 9/13/2005 11/1/2005 10/1/2035
2802 265.84 9/13/2005 11/1/2005 10/1/2020
2803 1807.8 9/27/2005 11/1/2005 10/1/2035
2804 1222.77 10/20/2005 12/1/2005 11/1/2035
2805 1040.08 9/27/2005 11/1/2005 10/1/2035
2806 849.03 9/20/2005 11/1/2005 10/1/2020
2807 3223.86 9/22/2005 11/1/2005 10/1/2035
2808 1746.48 9/14/2005 11/1/2005 10/1/2035
2809 896.02 9/30/2005 11/1/2005 10/1/2035
2810 5223.96 9/16/2005 11/1/2005 10/1/2035
2811 1634.47 10/5/2005 11/1/2005 10/1/2035
2812 1783.74 9/16/2005 11/1/2005 10/1/2020
2813 3012.31 9/21/2005 11/1/2005 10/1/2035
2814 2700.73 9/26/2005 11/1/2005 10/1/2035
2815 480.63 9/22/2005 11/1/2005 10/1/2020
2816 1123.35 9/28/2005 11/1/2005 10/1/2035
2817 327.26 9/21/2005 11/1/2005 10/1/2020
2818 2698.57 9/20/2005 11/1/2005 10/1/2035
2819 791.64 9/21/2005 11/1/2005 10/1/2035
2820 2096.25 9/26/2005 11/1/2005 10/1/2035
2821 1925.94 10/5/2005 11/1/2005 10/1/2035
2822 2318.27 9/26/2005 11/1/2005 10/1/2035
2823 1837.88 9/27/2005 11/1/2005 10/1/2035
2824 497.87 9/23/2005 11/1/2005 10/1/2020
2825 721.73 9/26/2005 11/1/2005 10/1/2035
2826 859.54 9/21/2005 11/1/2005 10/1/2035
2827 902.79 9/30/2005 11/1/2005 10/1/2035
2828 2258.69 10/5/2005 11/1/2005 10/1/2035
2829 3980.94 9/26/2005 11/1/2005 10/1/2035
2830 653.44 10/5/2005 11/1/2005 10/1/2020
2831 398.39 9/27/2005 11/1/2005 10/1/2020
2832 3541.31 9/29/2005 11/1/2005 10/1/2035
2833 2331 9/29/2005 11/1/2005 10/1/2035
2834 2281.74 9/20/2005 11/1/2005 10/1/2035
2835 1714.45 9/30/2005 11/1/2005 10/1/2035
2836 582.47 9/29/2005 11/1/2005 10/1/2020
2837 6750 9/28/2005 11/1/2005 10/1/2035
2838 461.13 9/20/2005 11/1/2005 10/1/2020
2839 1917.2 9/28/2005 11/1/2005 10/1/2035
2840 685.48 9/28/2005 11/1/2005 10/1/2020
2841 1095.79 9/30/2005 11/1/2005 10/1/2020
2842 4301.18 10/13/2005 12/1/2005 11/1/2035
2843 1750.57 9/20/2005 11/1/2005 10/1/2035
2844 1784.57 9/30/2005 11/1/2005 10/1/2035
2845 1512.04 10/31/2005 12/1/2005 11/1/2035
2846 1379.77 9/23/2005 11/1/2005 10/1/2020
2847 1297.59 11/4/2005 12/1/2005 11/1/2035
2848 1744.8 8/22/2005 10/1/2005 9/1/2035
2849 1363.4 8/25/2005 10/1/2005 9/1/2035
2850 1494.04 8/24/2005 10/1/2005 9/1/2035
2851 852.68 9/7/2005 10/1/2005 9/1/2035
2852 1119.1 8/17/2005 10/1/2005 9/1/2035
2853 1200.93 8/17/2005 10/1/2005 9/1/2035
2854 841.24 10/28/2005 12/1/2005 11/1/2020
2855 2322 9/29/2005 11/1/2005 10/1/2035
2856 2305.72 9/28/2005 11/1/2005 10/1/2020
2857 2899.1 9/30/2005 11/1/2005 10/1/2035
2858 1980.5 9/28/2005 11/1/2005 10/1/2035
2859 3480.24 9/27/2005 11/1/2005 10/1/2035
2860 1286.61 9/30/2005 11/1/2005 10/1/2035
2861 1337.11 10/6/2005 12/1/2005 11/1/2035
2862 433.4 10/6/2005 12/1/2005 11/1/2020
2863 478.03 10/7/2005 12/1/2005 11/1/2035
2864 1961 9/30/2005 11/1/2005 10/1/2035
2865 769.73 9/30/2005 11/1/2005 10/1/2020
2866 742.8 9/28/2005 11/1/2005 10/1/2020
2867 620.45 9/27/2005 11/1/2005 10/1/2020
2868 915.82 10/3/2005 11/1/2005 10/1/2020
2869 2266.69 9/22/2005 11/1/2005 10/1/2035
2870 2660 9/19/2005 11/1/2005 10/1/2035
2871 1055.86 9/19/2005 11/1/2005 10/1/2020
2872 2541.91 9/28/2005 11/1/2005 10/1/2035
2873 713.74 9/29/2005 11/1/2005 10/1/2020
2874 439.07 9/29/2005 11/1/2005 10/1/2020
2875 2495.05 9/21/2005 11/1/2005 10/1/2035
2876 2013.42 9/29/2005 11/1/2005 10/1/2035
2877 880.52 10/4/2005 11/1/2005 10/1/2035
2878 1585.65 9/29/2005 11/1/2005 10/1/2035
2879 1303.27 9/20/2005 11/1/2005 10/1/2035
2880 475.34 9/20/2005 11/1/2005 10/1/2020
2881 1022.45 10/11/2005 11/1/2005 10/1/2035
2882 1257.57 9/30/2005 11/1/2005 10/1/2035
2883 1451.4 10/21/2005 12/1/2005 11/1/2020
2884 1121.32 9/29/2005 11/1/2005 10/1/2020
2885 1794.58 10/4/2005 11/1/2005 10/1/2035
2886 654.15 10/4/2005 11/1/2005 10/1/2020
2887 565.19 9/21/2005 11/1/2005 10/1/2020
2888 1993.75 9/27/2005 11/1/2005 10/1/2035
2889 4428.91 9/22/2005 11/1/2005 10/1/2035
2890 1807.8 9/29/2005 11/1/2005 10/1/2035
2891 2401 9/30/2005 11/1/2005 10/1/2035
2892 932.54 9/30/2005 11/1/2005 10/1/2020
2893 1055.62 9/29/2005 11/1/2005 10/1/2035
2894 1314 9/26/2005 11/1/2005 10/1/2035
2895 634.19 9/26/2005 11/1/2005 10/1/2035
2896 974.67 10/4/2005 11/1/2005 10/1/2035
2897 1746 9/28/2005 11/1/2005 10/1/2035
2898 929.44 9/30/2005 11/1/2005 10/1/2020
2899 750.75 9/28/2005 11/1/2005 10/1/2020
2900 1942.04 10/7/2005 12/1/2005 11/1/2035
2901 460.99 10/4/2005 11/1/2005 10/1/2020
2902 2025.56 10/19/2005 12/1/2005 11/1/2035
2903 528.61 10/12/2005 12/1/2005 11/1/2035
2904 792.29 9/30/2005 11/1/2005 10/1/2035
2905 2866.78 9/23/2005 11/1/2005 10/1/2035
2906 1033.51 9/23/2005 11/1/2005 10/1/2020
2907 889.11 10/7/2005 12/1/2005 11/1/2020
2908 707.26 9/29/2005 11/1/2005 10/1/2020
2909 1367.57 10/5/2005 11/1/2005 10/1/2035
2910 2703.39 9/26/2005 11/1/2005 10/1/2035
2911 358.35 9/29/2005 11/1/2005 10/1/2020
2912 1867.17 10/7/2005 11/1/2005 10/1/2035
2913 1862.69 9/30/2005 11/1/2005 10/1/2035
2914 510.36 9/26/2005 11/1/2005 10/1/2020
2915 559 10/3/2005 11/1/2005 10/1/2035
2916 742.8 9/30/2005 11/1/2005 10/1/2020
2917 1254.03 10/6/2005 11/1/2005 10/1/2035
2918 929.61 10/5/2005 12/1/2005 11/1/2035
2919 646.55 9/27/2005 11/1/2005 10/1/2035
2920 634.15 9/30/2005 11/1/2005 10/1/2035
2921 2934.1 10/17/2005 12/1/2005 11/1/2035
2922 770.66 9/28/2005 11/1/2005 10/1/2035
2923 1006.7 9/29/2005 11/1/2005 10/1/2035
2924 2473.69 9/29/2005 11/1/2005 10/1/2035
2925 776.01 10/4/2005 12/1/2005 11/1/2035
2926 1126.47 10/4/2005 11/1/2005 10/1/2035
2927 412.29 9/30/2005 11/1/2005 10/1/2020
2928 828.96 11/4/2005 12/1/2005 11/1/2035
2929 1992.15 10/17/2005 12/1/2005 11/1/2035
2930 519.49 10/5/2005 12/1/2005 11/1/2035
2931 978.9 9/30/2005 11/1/2005 10/1/2035
2932 1501.29 10/4/2005 11/1/2005 10/1/2035
2933 1789.79 10/19/2005 12/1/2005 11/1/2035
2934 477.37 9/28/2005 11/1/2005 10/1/2020
2935 776.01 10/4/2005 12/1/2005 11/1/2035
2936 3810.72 9/29/2005 11/1/2005 10/1/2035
2937 564.88 10/11/2005 12/1/2005 11/1/2020
2938 929.5 10/14/2005 12/1/2005 11/1/2035
2939 717.33 10/14/2005 12/1/2005 11/1/2035
2940 551.54 10/13/2005 12/1/2005 11/1/2035
2941 836.23 10/31/2005 12/1/2005 11/1/2035
2942 518.88 9/26/2005 11/1/2005 10/1/2035
2943 463.47 10/10/2005 12/1/2005 11/1/2035
2944 211.18 10/10/2005 12/1/2005 11/1/2015
2945 2278.16 10/14/2005 12/1/2005 11/1/2035
2946 2465.14 8/17/2005 10/1/2005 9/1/2035
2947 995 8/19/2005 10/1/2005 9/1/2035
2948 402.84 8/31/2005 10/1/2005 9/1/2035
2949 774.02 9/15/2005 11/1/2005 10/1/2035
2950 242.71 9/15/2005 11/1/2005 10/1/2020
2951 773.86 10/3/2005 11/1/2005 10/1/2035
2952 888.33 8/18/2005 10/1/2005 9/1/2035
2953 1631.21 9/2/2005 10/1/2005 9/1/2035
2954 1420.54 8/30/2005 10/1/2005 9/1/2035
2955 3214.69 9/22/2005 11/1/2005 10/1/2035
2956 1835.44 8/30/2005 10/1/2005 9/1/2035
2957 981.59 9/21/2005 11/1/2005 10/1/2035
2958 2250 8/26/2005 10/1/2005 9/1/2035
2959 724.57 9/27/2005 11/1/2005 10/1/2020
2960 2803 9/9/2005 10/1/2005 9/1/2035
2961 1090.35 9/9/2005 10/1/2005 9/1/2020
2962 860.01 8/26/2005 10/1/2005 9/1/2020
2963 1443.27 9/21/2005 11/1/2005 10/1/2035
2964 965.6 8/29/2005 10/1/2005 9/1/2035
2965 1935.8 8/31/2005 10/1/2005 9/1/2035
2966 778.83 9/27/2005 11/1/2005 10/1/2020
2967 1926.34 9/12/2005 11/1/2005 10/1/2035
2968 1162.5 8/31/2005 10/1/2005 9/1/2035
2969 521.33 8/31/2005 10/1/2005 9/1/2020
2970 1512 8/22/2005 10/1/2005 9/1/2035
2971 839.69 8/17/2005 10/1/2005 9/1/2035
2972 1636.25 9/2/2005 10/1/2005 9/1/2035
2973 532.11 9/9/2005 10/1/2005 9/1/2020
2974 300.58 9/2/2005 10/1/2005 9/1/2020
2975 992.25 9/8/2005 10/1/2005 9/1/2020
2976 1207.66 9/27/2005 11/1/2005 10/1/2035
2977 868.76 8/31/2005 10/1/2005 9/1/2035
2978 2277 9/2/2005 10/1/2005 9/1/2035
2979 905.59 9/2/2005 10/1/2005 9/1/2020
2980 1132.66 10/17/2005 12/1/2005 11/1/2020
2981 2080.02 10/14/2005 12/1/2005 11/1/2035
2982 5284.38 10/14/2005 12/1/2005 11/1/2035
2983 1454.81 10/14/2005 12/1/2005 11/1/2020
2984 1410.44 10/27/2005 12/1/2005 11/1/2035
2985 539.05 10/27/2005 12/1/2005 11/1/2020
2986 728.12 10/21/2005 12/1/2005 11/1/2020
2987 479.4 10/19/2005 12/1/2005 11/1/2035
2988 1201.92 10/13/2005 12/1/2005 11/1/2035
2989 1376.58 11/3/2005 12/1/2005 11/1/2035
2990 2813.41 10/12/2005 12/1/2005 11/1/2035
2991 303.97 10/28/2005 12/1/2005 11/1/2020
2992 1861.6 10/13/2005 12/1/2005 11/1/2035
2993 480.1 10/17/2005 12/1/2005 11/1/2020
2994 1161.7 10/27/2005 12/1/2005 11/1/2035
2995 4909.88 10/24/2005 12/1/2005 11/1/2035
2996 2095.77 10/20/2005 12/1/2005 11/1/2035
2997 631.06 10/13/2005 12/1/2005 11/1/2035
2998 2086.39 10/18/2005 12/1/2005 11/1/2035
2999 938.72 10/21/2005 12/1/2005 11/1/2035
3000 858.03 10/12/2005 12/1/2005 11/1/2020
3001 514.36 9/13/2005 11/1/2005 10/1/2020
3002 3051.08 9/12/2005 11/1/2005 10/1/2035
3003 634.68 9/19/2005 11/1/2005 10/1/2035
3004 1212.88 9/30/2005 11/1/2005 10/1/2035
3005 723.01 9/6/2005 11/1/2005 10/1/2020
3006 985.27 9/30/2005 11/1/2005 10/1/2035
3007 1797.98 9/13/2005 11/1/2005 10/1/2035
3008 2216.69 9/20/2005 11/1/2005 10/1/2035
3009 943.89 9/16/2005 11/1/2005 10/1/2035
3010 2028 9/19/2005 11/1/2005 10/1/2035
3011 1617.28 9/19/2005 11/1/2005 10/1/2035
3012 447.62 9/27/2005 11/1/2005 10/1/2020
3013 1881.48 9/21/2005 11/1/2005 10/1/2035
3014 3761.23 9/28/2005 11/1/2005 10/1/2035
3015 548.06 9/13/2005 11/1/2005 10/1/2035
3016 3260.07 9/12/2005 11/1/2005 10/1/2035
3017 2013.12 9/20/2005 11/1/2005 10/1/2035
3018 1313.26 9/8/2005 11/1/2005 10/1/2035
3019 770.01 9/14/2005 11/1/2005 10/1/2035
3020 2137.25 9/28/2005 11/1/2005 10/1/2035
3021 847.36 9/28/2005 11/1/2005 10/1/2020
3022 867.76 10/5/2005 11/1/2005 10/1/2035
3023 5336.73 9/26/2005 11/1/2005 10/1/2035
3024 1858.08 9/26/2005 11/1/2005 10/1/2020
3025 1340.63 9/23/2005 11/1/2005 10/1/2035
3026 473.04 9/23/2005 11/1/2005 10/1/2020
3027 1208.94 9/23/2005 11/1/2005 10/1/2035
3028 420.24 9/23/2005 11/1/2005 10/1/2020
3029 1215.63 9/28/2005 11/1/2005 10/1/2035
3030 2301.09 10/20/2005 12/1/2005 11/1/2035
3031 788.83 9/22/2005 11/1/2005 10/1/2020
3032 526.1 9/27/2005 11/1/2005 10/1/2020
3033 876.93 9/28/2005 11/1/2005 10/1/2035
3034 664 9/27/2005 11/1/2005 10/1/2035
3035 940.78 10/21/2005 12/1/2005 11/1/2020
3036 1352.36 9/22/2005 11/1/2005 10/1/2035
3037 655.92 9/22/2005 11/1/2005 10/1/2020
3038 1258.35 9/26/2005 11/1/2005 10/1/2035
3039 1550.35 9/27/2005 11/1/2005 10/1/2035
3040 679.16 9/19/2005 11/1/2005 10/1/2035
3041 1184.95 9/28/2005 11/1/2005 10/1/2035
3042 695.88 10/25/2005 12/1/2005 11/1/2020
3043 1075.25 10/4/2005 11/1/2005 10/1/2035
3044 3554.71 9/23/2005 11/1/2005 10/1/2035
3045 2346.19 10/5/2005 11/1/2005 10/1/2035
3046 1389.24 10/14/2005 12/1/2005 11/1/2035
3047 1383.83 10/4/2005 11/1/2005 10/1/2035
3048 1093.55 10/19/2005 12/1/2005 11/1/2035
3049 483.39 9/27/2005 11/1/2005 10/1/2035
3050 1878.16 10/4/2005 11/1/2005 10/1/2035
3051 344.49 10/4/2005 11/1/2005 10/1/2035
3052 524.25 10/7/2005 11/1/2005 10/1/2020
3053 2431 9/29/2005 11/1/2005 10/1/2035
3054 1010.1 9/29/2005 11/1/2005 10/1/2020
3055 255.23 10/7/2005 12/1/2005 11/1/2020
3056 519.48 10/6/2005 11/1/2005 10/1/2020
3057 2489.33 10/13/2005 12/1/2005 11/1/2035
3058 1107.39 9/1/2005 10/1/2005 9/1/2035
3059 1152.67 9/21/2005 11/1/2005 10/1/2035
3060 466.8 9/21/2005 11/1/2005 10/1/2020
3061 748.09 9/30/2005 11/1/2005 10/1/2035
3062 1177.79 9/20/2005 11/1/2005 10/1/2035
3063 1963.67 9/20/2005 11/1/2005 10/1/2035
3064 1140.27 9/26/2005 11/1/2005 10/1/2035
3065 1041.19 9/28/2005 11/1/2005 10/1/2035
3066 2745.33 9/28/2005 11/1/2005 10/1/2035
3067 773.7 9/28/2005 11/1/2005 10/1/2035
3068 1017.13 9/28/2005 11/1/2005 10/1/2020
3069 688.97 9/29/2005 11/1/2005 10/1/2035
3070 1419.17 9/22/2005 11/1/2005 10/1/2035
3071 580.05 9/22/2005 11/1/2005 10/1/2020
3072 502.2 8/19/2005 10/1/2005 9/1/2035
3073 1860.42 8/15/2005 10/1/2005 9/1/2035
3074 1272.08 8/19/2005 10/1/2005 9/1/2035
3075 1631.65 8/16/2005 10/1/2005 9/1/2035
3076 238.77 10/3/2005 12/1/2005 11/1/2020
3077 1002.8 9/29/2005 11/1/2005 10/1/2035
3078 1426.45 9/23/2005 11/1/2005 10/1/2035
3079 974.88 10/14/2005 12/1/2005 11/1/2035
3080 280.59 10/25/2005 12/1/2005 11/1/2035
3081 1023.54 9/19/2005 11/1/2005 10/1/2035
3082 1634.01 9/29/2005 11/1/2005 10/1/2035
3083 728.9 10/4/2005 11/1/2005 10/1/2035
3084 256.74 10/4/2005 11/1/2005 10/1/2035
3085 1024.06 9/20/2005 11/1/2005 10/1/2035
3086 1337.07 10/14/2005 12/1/2005 11/1/2035
3087 95.15 10/12/2005 12/1/2005 11/1/2015
3088 226.29 9/30/2005 11/1/2005 10/1/2020
3089 1058.72 10/6/2005 12/1/2005 11/1/2035
3090 476.87 9/23/2005 11/1/2005 10/1/2035
3091 1090 10/6/2005 12/1/2005 11/1/2035
3092 1163.01 10/11/2005 12/1/2005 11/1/2035
3093 174.74 10/3/2005 11/1/2005 10/1/2010
3094 1132.76 10/6/2005 12/1/2005 11/1/2035
3095 1701 10/5/2005 12/1/2005 11/1/2035
3096 1168.56 10/11/2005 12/1/2005 11/1/2035
3097 81.88 10/10/2005 12/1/2005 11/1/2015
3098 375.29 10/13/2005 12/1/2005 11/1/2035
3099 106.16 10/21/2005 12/1/2005 11/1/2015
3100 681.45 10/21/2005 12/1/2005 11/1/2035
3101 433.2 10/4/2005 11/1/2005 10/1/2035
3102 534.01 10/10/2005 12/1/2005 11/1/2035
3103 2824.65 10/20/2005 12/1/2005 11/1/2035
3104 266.29 10/14/2005 12/1/2005 11/1/2010
3105 191.12 10/14/2005 12/1/2005 11/1/2015
3106 733.07 10/7/2005 12/1/2005 11/1/2035
3107 807.75 10/14/2005 12/1/2005 11/1/2035
3108 1574.48 9/29/2005 12/1/2005 11/1/2035
3109 1251.88 10/4/2005 11/1/2005 10/1/2035
3110 196.2 10/20/2005 12/1/2005 11/1/2020
3111 287.38 10/14/2005 12/1/2005 11/1/2035
3112 1903.63 10/21/2005 12/1/2005 11/1/2035
3113 663.32 9/30/2005 12/1/2005 11/1/2035
3114 519.74 10/14/2005 12/1/2005 11/1/2035
3115 817.78 9/29/2005 12/1/2005 11/1/2035
3116 899.11 10/12/2005 12/1/2005 11/1/2035
3117 1543.51 10/18/2005 12/1/2005 11/1/2035
3118 216.81 10/11/2005 12/1/2005 11/1/2020
3119 235.14 10/12/2005 12/1/2005 11/1/2035
3120 528.67 9/30/2005 12/1/2005 11/1/2035
3121 500.2 10/11/2005 12/1/2005 11/1/2035
3122 209.02 9/30/2005 12/1/2005 11/1/2035
3123 176.18 10/4/2005 11/1/2005 10/1/2020
3124 1112.22 10/17/2005 12/1/2005 11/1/2035
3125 1220.51 10/11/2005 12/1/2005 11/1/2035
3126 417.43 9/30/2005 11/1/2005 10/1/2035
3127 264.78 10/27/2005 12/1/2005 11/1/2035
3128 779.73 10/3/2005 12/1/2005 11/1/2035
3129 996 10/5/2005 12/1/2005 11/1/2035
3130 695.18 10/19/2005 12/1/2005 11/1/2035
3131 1794.1 10/7/2005 12/1/2005 11/1/2035
3132 1037.88 9/30/2005 12/1/2005 11/1/2035
3133 1554.11 10/14/2005 12/1/2005 11/1/2035
3134 1173.3 9/30/2005 11/1/2005 10/1/2035
3135 1975 10/7/2005 12/1/2005 11/1/2035
3136 258.99 10/11/2005 12/1/2005 11/1/2015
3137 598.08 9/30/2005 12/1/2005 11/1/2035
3138 751.55 10/11/2005 12/1/2005 11/1/2035
3139 154.89 10/7/2005 12/1/2005 11/1/2015
3140 135.69 10/6/2005 12/1/2005 11/1/2015
3141 1060.88 9/30/2005 12/1/2005 11/1/2035
3142 275.08 10/6/2005 12/1/2005 11/1/2035
3143 775.22 10/3/2005 11/1/2005 10/1/2035
3144 258.2 9/30/2005 12/1/2005 11/1/2035
3145 94.83 10/13/2005 12/1/2005 11/1/2015
3146 325.1 10/11/2005 12/1/2005 11/1/2035
3147 235.87 10/26/2005 12/1/2005 11/1/2020
3148 291.18 10/11/2005 12/1/2005 11/1/2035
3149 1960.61 10/7/2005 12/1/2005 11/1/2035
3150 514.45 10/7/2005 12/1/2005 11/1/2035
3151 3225.5 10/11/2005 12/1/2005 11/1/2035
3152 1198.59 10/5/2005 12/1/2005 11/1/2035
3153 262.82 10/3/2005 12/1/2005 11/1/2035
3154 1090.78 10/11/2005 12/1/2005 11/1/2035
3155 450.59 10/25/2005 12/1/2005 11/1/2035
3156 855.01 10/11/2005 12/1/2005 11/1/2035
3157 1991.52 9/29/2005 11/1/2005 10/1/2035
3158 775 10/13/2005 12/1/2005 11/1/2035
3159 1661.83 10/7/2005 12/1/2005 11/1/2035
3160 1170.94 10/18/2005 12/1/2005 11/1/2035
3161 1090.9 10/28/2005 12/1/2005 11/1/2035
3162 437.73 10/3/2005 12/1/2005 11/1/2035
3163 1132.08 10/13/2005 12/1/2005 11/1/2035
3164 575.94 10/27/2005 12/1/2005 11/1/2035
3165 540.2 10/17/2005 12/1/2005 11/1/2035
3166 207.38 10/17/2005 12/1/2005 11/1/2020
3167 124.05 10/11/2005 12/1/2005 11/1/2020
3168 871.78 10/28/2005 12/1/2005 11/1/2035
3169 479.13 10/26/2005 12/1/2005 11/1/2035
3170 130.26 10/11/2005 12/1/2005 11/1/2020
3171 744.37 10/5/2005 12/1/2005 11/1/2035
3172 272.97 10/20/2005 12/1/2005 11/1/2035
3173 125.73 10/5/2005 11/1/2005 10/1/2020
3174 197.25 10/10/2005 12/1/2005 11/1/2020
3175 1732.02 10/26/2005 12/1/2005 11/1/2035
3176 860.21 10/24/2005 12/1/2005 11/1/2035
3177 787.67 10/20/2005 12/1/2005 11/1/2035
3178 118.99 10/10/2005 12/1/2005 11/1/2015
3179 325.77 10/6/2005 12/1/2005 11/1/2035
3180 276.21 10/13/2005 12/1/2005 11/1/2035
3181 2482.55 10/21/2005 12/1/2005 11/1/2035
3182 255.5 10/6/2005 12/1/2005 11/1/2035
3183 509.34 10/26/2005 12/1/2005 11/1/2035
3184 1224.19 10/5/2005 12/1/2005 11/1/2025
3185 1336.12 10/17/2005 12/1/2005 11/1/2035
3186 257.25 10/24/2005 12/1/2005 11/1/2035
3187 710.23 10/20/2005 12/1/2005 11/1/2035
3188 652.1 9/30/2005 11/1/2005 10/1/2035
3189 904.76 10/11/2005 12/1/2005 11/1/2035
3190 788.22 10/13/2005 12/1/2005 11/1/2035
3191 1300.14 10/5/2005 11/1/2005 10/1/2035
3192 985.11 10/13/2005 12/1/2005 11/1/2035
3193 577.07 10/7/2005 12/1/2005 11/1/2035
3194 1076.38 10/13/2005 12/1/2005 11/1/2035
3195 217.09 10/11/2005 12/1/2005 11/1/2035
3196 1530.79 10/21/2005 12/1/2005 11/1/2035
3197 528.15 10/21/2005 12/1/2005 11/1/2035
3198 1069.48 10/17/2005 12/1/2005 11/1/2035
3199 169.7 10/20/2005 12/1/2005 11/1/2020
3200 101 10/7/2005 12/1/2005 11/1/2015
3201 81.88 10/18/2005 12/1/2005 11/1/2015
3202 1949.23 10/10/2005 12/1/2005 11/1/2035
3203 283.57 10/20/2005 12/1/2005 11/1/2035
3204 1282.5 10/6/2005 12/1/2005 11/1/2035
3205 459.58 10/17/2005 12/1/2005 11/1/2035
3206 1301.68 10/20/2005 12/1/2005 11/1/2035
3207 1069.16 10/5/2005 11/1/2005 10/1/2035
3208 742.24 10/6/2005 12/1/2005 11/1/2035
3209 324.43 10/18/2005 12/1/2005 11/1/2035
3210 1027 10/13/2005 12/1/2005 11/1/2035
3211 394.97 10/19/2005 12/1/2005 11/1/2035
3212 100.4 10/12/2005 12/1/2005 11/1/2015
3213 1638.96 10/25/2005 12/1/2005 11/1/2035
3214 512.26 10/13/2005 12/1/2005 11/1/2035
3215 398.57 10/13/2005 12/1/2005 11/1/2035
3216 235.19 10/6/2005 12/1/2005 11/1/2035
3217 357.43 10/19/2005 12/1/2005 11/1/2035
3218 2918.21 10/11/2005 12/1/2005 11/1/2035
3219 484.5 10/6/2005 12/1/2005 11/1/2035
3220 139.06 10/25/2005 12/1/2005 11/1/2015
3221 1871.63 10/7/2005 12/1/2005 11/1/2035
3222 344.76 10/5/2005 11/1/2005 10/1/2035
3223 296.79 10/27/2005 12/1/2005 11/1/2035
3224 798.13 10/21/2005 12/1/2005 11/1/2035
3225 145.57 10/6/2005 12/1/2005 11/1/2015
3226 331.51 10/26/2005 12/1/2005 11/1/2035
3227 1390.6 10/7/2005 12/1/2005 11/1/2035
3228 733.2 10/7/2005 12/1/2005 11/1/2035
3229 282.18 10/11/2005 12/1/2005 11/1/2035
3230 322.81 10/13/2005 12/1/2005 11/1/2035
3231 72.29 10/4/2005 12/1/2005 11/1/2015
3232 862.1 10/7/2005 12/1/2005 11/1/2035
3233 325.39 10/7/2005 12/1/2005 11/1/2035
3234 346.35 10/27/2005 12/1/2005 11/1/2035
3235 901.24 10/10/2005 12/1/2005 11/1/2035
3236 1033.75 10/26/2005 12/1/2005 11/1/2035
3237 683.93 10/4/2005 11/1/2005 10/1/2035
3238 511.1 10/21/2005 12/1/2005 11/1/2035
3239 936 10/7/2005 12/1/2005 11/1/2035
3240 768.27 10/11/2005 12/1/2005 11/1/2035
3241 1591.98 10/19/2005 12/1/2005 11/1/2035
3242 469.99 10/7/2005 12/1/2005 11/1/2035
3243 1360 10/21/2005 12/1/2005 11/1/2035
3244 389.32 10/24/2005 12/1/2005 11/1/2035
3245 1487.5 10/6/2005 12/1/2005 11/1/2035
3246 239.21 10/7/2005 12/1/2005 11/1/2035
3247 269.84 10/21/2005 12/1/2005 11/1/2035
3248 428.87 10/11/2005 12/1/2005 11/1/2035
3249 564.65 10/14/2005 12/1/2005 11/1/2035
3250 271.76 10/19/2005 12/1/2005 11/1/2035
3251 802.34 10/24/2005 12/1/2005 11/1/2035
3252 215.17 10/27/2005 12/1/2005 11/1/2035
3253 904.98 10/21/2005 12/1/2005 11/1/2035
3254 147.97 10/12/2005 12/1/2005 11/1/2020
3255 814.03 10/20/2005 12/1/2005 11/1/2035
3256 586.46 10/19/2005 12/1/2005 11/1/2035
3257 573.3 10/13/2005 12/1/2005 11/1/2035
3258 1037 10/20/2005 12/1/2005 11/1/2035
3259 592.2 10/7/2005 12/1/2005 11/1/2035
3260 1499.98 10/21/2005 12/1/2005 11/1/2035
3261 265.91 10/26/2005 12/1/2005 11/1/2035
3262 379.16 10/14/2005 12/1/2005 11/1/2035
3263 227.54 10/13/2005 12/1/2005 11/1/2020
3264 613.36 10/25/2005 12/1/2005 11/1/2035
3265 1327.35 10/20/2005 12/1/2005 11/1/2035
3266 3166.72 10/18/2005 12/1/2005 11/1/2035
3267 695.8 10/14/2005 12/1/2005 11/1/2035
3268 1735.95 10/14/2005 12/1/2005 11/1/2035
3269 4015.3 10/19/2005 12/1/2005 11/1/2035
3270 1064.23 10/14/2005 12/1/2005 11/1/2035
3271 102.47 10/11/2005 12/1/2005 11/1/2015
3272 1501.46 10/11/2005 12/1/2005 11/1/2035
3273 719.01 10/20/2005 12/1/2005 11/1/2035
3274 560.49 10/21/2005 12/1/2005 11/1/2035
3275 207.32 10/7/2005 12/1/2005 11/1/2035
3276 267.18 10/20/2005 12/1/2005 11/1/2035
3277 4732.18 10/21/2005 12/1/2005 11/1/2035
3278 447.19 10/20/2005 12/1/2005 11/1/2035
3279 1252.05 10/19/2005 12/1/2005 11/1/2035
3280 736.28 10/14/2005 12/1/2005 11/1/2035
3281 1463 10/21/2005 12/1/2005 11/1/2035
3282 2265.46 10/12/2005 12/1/2005 11/1/2035
3283 261.86 10/21/2005 12/1/2005 11/1/2020
3284 905.13 10/14/2005 12/1/2005 11/1/2035
3285 479.36 10/19/2005 12/1/2005 11/1/2035
3286 653.61 10/11/2005 12/1/2005 11/1/2035
3287 243.01 10/6/2005 12/1/2005 11/1/2035
3288 312.85 10/14/2005 12/1/2005 11/1/2035
3289 920.47 10/19/2005 12/1/2005 11/1/2035
3290 831.74 10/19/2005 12/1/2005 11/1/2035
3291 468.93 10/21/2005 12/1/2005 11/1/2035
3292 278.28 10/7/2005 12/1/2005 11/1/2020
3293 331.6 10/17/2005 12/1/2005 11/1/2035
3294 1138.93 10/21/2005 12/1/2005 11/1/2035
3295 365.61 10/24/2005 12/1/2005 11/1/2035
3296 6267.73 9/1/2005 11/1/2005 10/1/2035
3297 1095.64 9/22/2005 11/1/2005 10/1/2035
3298 383.37 9/22/2005 11/1/2005 10/1/2020
3299 1455.21 9/26/2005 11/1/2005 10/1/2035
3300 1475.79 9/20/2005 11/1/2005 10/1/2035
3301 1925 9/29/2005 12/1/2005 11/1/2035
3302 678.58 9/29/2005 12/1/2005 11/1/2020
3303 3792.41 9/29/2005 12/1/2005 11/1/2035
3304 1223.16 9/29/2005 12/1/2005 11/1/2020
3305 2308.32 8/24/2005 10/1/2005 9/1/2035
3306 1840.26 9/6/2005 10/1/2005 9/1/2035
3307 889.47 7/29/2005 9/1/2005 8/1/2035
3308 1719.98 7/27/2005 9/1/2005 8/1/2035
3309 1129.87 7/29/2005 9/1/2005 8/1/2035
3310 560.42 7/29/2005 9/1/2005 8/1/2035
3311 1408.33 7/25/2005 9/1/2005 8/1/2035
3312 531.81 7/25/2005 9/1/2005 8/1/2020
3313 3507.5 7/28/2005 9/1/2005 8/1/2035
3314 157.93 10/24/2005 12/1/2005 11/1/2020
3315 567.6 10/24/2005 12/1/2005 11/1/2035
3316 1984.5 10/21/2005 12/1/2005 11/1/2035
3317 429.94 10/26/2005 12/1/2005 11/1/2035
3318 261.51 10/25/2005 12/1/2005 11/1/2020
3319 1099.64 10/26/2005 12/1/2005 11/1/2035
3320 802.88 9/26/2005 11/1/2005 10/1/2035
3321 688.98 10/17/2005 12/1/2005 11/1/2035
3322 1165.03 10/5/2005 12/1/2005 11/1/2035
3323 2319.17 9/26/2005 11/1/2005 10/1/2035
3324 1301.06 10/12/2005 12/1/2005 11/1/2035
3325 1024.98 10/11/2005 12/1/2005 11/1/2035
3326 1192.5 10/7/2005 12/1/2005 11/1/2035
3327 622.56 10/7/2005 12/1/2005 11/1/2035
3328 616.85 10/13/2005 12/1/2005 11/1/2035
3329 979.44 10/5/2005 12/1/2005 11/1/2035
3330 1292.3 10/6/2005 12/1/2005 11/1/2035
3331 400.92 10/4/2005 12/1/2005 11/1/2035
3332 132.66 10/4/2005 12/1/2005 11/1/2015
3333 1547.73 10/17/2005 12/1/2005 11/1/2035
3334 898.38 9/27/2005 11/1/2005 10/1/2035
3335 1470 9/28/2005 12/1/2005 11/1/2035
3336 2132.2 10/17/2005 12/1/2005 11/1/2035
3337 2737.84 10/11/2005 12/1/2005 11/1/2035
3338 2294 10/6/2005 12/1/2005 11/1/2035
3339 4894.51 10/18/2005 12/1/2005 11/1/2035
3340 1133.73 10/6/2005 12/1/2005 11/1/2035
3341 1539.67 10/13/2005 12/1/2005 11/1/2035
3342 733.54 10/17/2005 12/1/2005 11/1/2035
3343 1455.55 10/19/2005 12/1/2005 11/1/2035
3344 494.05 10/20/2005 12/1/2005 11/1/2035
3345 1317.04 10/13/2005 12/1/2005 11/1/2035
3346 2306.56 10/17/2005 12/1/2005 11/1/2035
3347 2022.62 10/21/2005 12/1/2005 11/1/2035
3348 325.39 10/21/2005 12/1/2005 11/1/2035
3349 3511.98 10/14/2005 12/1/2005 11/1/2035
3350 1049.6 10/20/2005 12/1/2005 11/1/2035
3351 1230.69 10/19/2005 12/1/2005 11/1/2035
3352 527.66 10/11/2005 12/1/2005 11/1/2035
3353 2852.76 10/3/2005 12/1/2005 11/1/2035
3354 227.73 10/4/2005 12/1/2005 11/1/2020
3355 1324.51 10/13/2005 12/1/2005 11/1/2035
3356 4039.11 10/6/2005 12/1/2005 11/1/2035
3357 704.24 10/3/2005 12/1/2005 11/1/2035
3358 1486.12 10/7/2005 12/1/2005 11/1/2035
3359 637.38 10/7/2005 12/1/2005 11/1/2020
3360 713.23 10/4/2005 12/1/2005 11/1/2035
3361 1607.81 10/17/2005 12/1/2005 11/1/2035
3362 580.96 10/21/2005 12/1/2005 11/1/2035
3363 1148.06 10/14/2005 12/1/2005 11/1/2035
3364 1450.27 10/13/2005 12/1/2005 11/1/2035
3365 509.69 10/21/2005 12/1/2005 11/1/2035
3366 2175.47 10/25/2005 12/1/2005 11/1/2035
3367 784.3 10/13/2005 12/1/2005 11/1/2035
3368 1654.92 10/19/2005 12/1/2005 11/1/2035
3369 1642.67 10/13/2005 12/1/2005 11/1/2035
3370 810.98 10/21/2005 12/1/2005 11/1/2035
3371 1181.43 10/12/2005 12/1/2005 11/1/2035
3372 564.13 10/18/2005 12/1/2005 11/1/2035
3373 1222.24 10/21/2005 12/1/2005 11/1/2035
3374 967.79 10/20/2005 12/1/2005 11/1/2035
3375 1186.76 10/21/2005 12/1/2005 11/1/2035
3376 532.39 10/21/2005 12/1/2005 11/1/2035
3377 951.33 10/21/2005 12/1/2005 11/1/2035
3378 874.52 10/25/2005 12/1/2005 11/1/2035
3379 2503.36 10/17/2005 12/1/2005 11/1/2035
3380 2823.48 10/19/2005 12/1/2005 11/1/2035
3381 458.33 10/12/2005 12/1/2005 11/1/2035
3382 1422.62 10/13/2005 12/1/2005 11/1/2035
3383 2895.27 10/14/2005 12/1/2005 11/1/2035
3384 1611.93 10/20/2005 12/1/2005 11/1/2035
3385 2146.83 10/21/2005 12/1/2005 11/1/2035
3386 313.71 10/25/2005 12/1/2005 11/1/2035
3387 1269.37 10/26/2005 12/1/2005 11/1/2035
3388 1141.02 10/24/2005 12/1/2005 11/1/2035
3389 367.82 9/29/2005 11/1/2005 10/1/2020
3390 914.52 10/17/2005 12/1/2005 11/1/2035
3391 2359.13 9/20/2005 11/1/2005 10/1/2035
3392 1371.59 9/12/2005 11/1/2005 10/1/2035
3393 1435.45 10/17/2005 12/1/2005 11/1/2035
3394 773.56 10/26/2005 12/1/2005 11/1/2035
3395 1610.17 9/26/2005 11/1/2005 10/1/2035
3396 846.05 9/14/2005 11/1/2005 10/1/2020
3397 812.76 9/7/2005 10/1/2005 9/1/2020
3398 1781.86 9/23/2005 11/1/2005 10/1/2035
3399 3460.11 9/8/2005 11/1/2005 10/1/2035
3400 1472.2 8/31/2005 10/1/2005 9/1/2035
3401 2491.67 9/8/2005 10/1/2005 9/1/2035
3402 690.47 10/7/2005 12/1/2005 11/1/2035
3403 3252 10/11/2005 11/1/2005 10/1/2035
3404 2026.22 10/6/2005 11/1/2005 10/1/2035
3405 2566.45 9/30/2005 11/1/2005 10/1/2035
3406 937 9/30/2005 11/1/2005 10/1/2035
3407 1173.71 10/18/2005 12/1/2005 11/1/2035
3408 1026.51 10/7/2005 12/1/2005 11/1/2035
3409 464.08 9/28/2005 11/1/2005 10/1/2035
3410 1368.4 9/30/2005 11/1/2005 10/1/2035
3411 1991.49 10/17/2005 12/1/2005 11/1/2035
3412 4286.89 10/4/2005 11/1/2005 10/1/2035
3413 1747.14 10/5/2005 11/1/2005 10/1/2035
3414 1127.54 10/17/2005 12/1/2005 11/1/2020
3415 1708.18 10/7/2005 11/1/2005 10/1/2035
3416 1460.56 10/24/2005 12/1/2005 11/1/2035
3417 648.56 10/7/2005 11/1/2005 10/1/2020
3418 1231.48 10/18/2005 12/1/2005 11/1/2035
3419 822.88 9/30/2005 11/1/2005 10/1/2035
3420 712.59 10/20/2005 12/1/2005 11/1/2035
3421 1139.27 9/30/2005 11/1/2005 10/1/2035
3422 1096.24 10/6/2005 11/1/2005 10/1/2020
3423 2358.36 10/13/2005 12/1/2005 11/1/2035
3424 1071.97 10/24/2005 12/1/2005 11/1/2020
3425 1811.98 10/7/2005 12/1/2005 11/1/2020
3426 692.7 10/13/2005 12/1/2005 11/1/2020
3427 1191.59 10/4/2005 11/1/2005 10/1/2035
3428 542.95 10/28/2005 12/1/2005 11/1/2020
3429 4028.29 10/25/2005 12/1/2005 11/1/2035
3430 3152.21 10/24/2005 12/1/2005 11/1/2035
3431 2849.52 10/18/2005 12/1/2005 11/1/2035
3432 825.11 10/26/2005 12/1/2005 11/1/2020
3433 1263.93 10/18/2005 12/1/2005 11/1/2035
3434 988.02 10/19/2005 12/1/2005 11/1/2035
3435 1064.63 11/4/2005 12/1/2005 11/1/2035
3436 731.09 10/17/2005 12/1/2005 11/1/2035
3437 1071.14 10/17/2005 12/1/2005 11/1/2035
3438 731.12 10/14/2005 12/1/2005 11/1/2035
3439 1025.29 10/5/2005 12/1/2005 11/1/2020
3440 1208.54 10/11/2005 12/1/2005 11/1/2035
3441 434.05 10/11/2005 12/1/2005 11/1/2020
3442 850.91 10/27/2005 12/1/2005 11/1/2020
3443 1770.66 10/26/2005 12/1/2005 11/1/2035
3444 2316.69 10/14/2005 12/1/2005 11/1/2035
3445 1080.11 10/24/2005 12/1/2005 11/1/2035
3446 687.87 10/18/2005 12/1/2005 11/1/2020
3447 2217.84 10/25/2005 12/1/2005 11/1/2035
3448 2625.34 10/11/2005 12/1/2005 11/1/2035
3449 906.87 10/6/2005 12/1/2005 11/1/2035
3450 542.24 10/19/2005 12/1/2005 11/1/2020
3451 2547.22 10/26/2005 12/1/2005 11/1/2035
3452 1364.58 10/19/2005 12/1/2005 11/1/2035
3453 645.19 10/26/2005 12/1/2005 11/1/2020
3454 1329.66 10/27/2005 12/1/2005 11/1/2035
3455 445.62 10/26/2005 12/1/2005 11/1/2035
3456 1133.33 10/20/2005 12/1/2005 11/1/2035
3457 1702.13 10/26/2005 12/1/2005 11/1/2035
3458 3094.9 10/27/2005 12/1/2005 11/1/2035
3459 889.21 10/27/2005 12/1/2005 11/1/2035
3460 1242.1 10/27/2005 12/1/2005 11/1/2035
3461 2503.59 10/14/2005 12/1/2005 11/1/2035
3462 3859.52 10/25/2005 12/1/2005 11/1/2035
3463 1119.62 10/28/2005 12/1/2005 11/1/2035
3464 994.41 10/12/2005 12/1/2005 11/1/2035
3465 1453.61 10/26/2005 12/1/2005 11/1/2035
3466 878.8 10/19/2005 12/1/2005 11/1/2035
3467 1424.71 11/7/2005 1/1/2006 12/1/2035
3468 1481.02 10/18/2005 12/1/2005 11/1/2035
3469 1573.92 10/31/2005 12/1/2005 11/1/2035
3470 1101.75 10/27/2005 12/1/2005 11/1/2035
3471 1666.65 10/26/2005 12/1/2005 11/1/2035
3472 3323.59 11/1/2005 12/1/2005 11/1/2035
3473 2524.44 10/18/2005 12/1/2005 11/1/2035
3474 577.21 10/24/2005 12/1/2005 11/1/2035
3475 1246.21 11/3/2005 12/1/2005 11/1/2035
3476 2609.48 10/25/2005 12/1/2005 11/1/2035
3477 1164.46 10/28/2005 12/1/2005 11/1/2020
3478 1399.13 10/26/2005 12/1/2005 11/1/2035
3479 978.2 10/18/2005 12/1/2005 11/1/2035
3480 1069.01 11/7/2005 12/1/2005 11/1/2035
3481 2925 10/31/2005 12/1/2005 11/1/2035
3482 1314.2 10/26/2005 12/1/2005 11/1/2035
3483 1317.41 10/31/2005 12/1/2005 11/1/2020
3484 1240.94 10/24/2005 12/1/2005 11/1/2035
3485 6066.47 10/21/2005 12/1/2005 11/1/2035
3486 3390 10/19/2005 12/1/2005 11/1/2035
3487 433.34 10/25/2005 12/1/2005 11/1/2035
3488 526.37 10/24/2005 12/1/2005 11/1/2020
3489 2148.17 11/2/2005 12/1/2005 11/1/2035
3490 1327.99 10/25/2005 12/1/2005 11/1/2035
3491 1205.7 11/3/2005 12/1/2005 11/1/2035
3492 477.88 10/31/2005 12/1/2005 11/1/2035
3493 1139.36 10/31/2005 12/1/2005 11/1/2035
3494 733.37 10/28/2005 12/1/2005 11/1/2020
3495 616.46 10/26/2005 12/1/2005 11/1/2020
3496 1650.38 11/4/2005 12/1/2005 11/1/2035
3497 1046.61 10/26/2005 12/1/2005 11/1/2020
3498 1240.48 11/2/2005 12/1/2005 11/1/2035
3499 1934.28 10/24/2005 12/1/2005 11/1/2035
3500 1208.24 10/31/2005 12/1/2005 11/1/2035
3501 1199.84 10/26/2005 12/1/2005 11/1/2020
3502 2673.75 11/3/2005 12/1/2005 11/1/2035
3503 2758.95 11/3/2005 12/1/2005 11/1/2035
3504 3052.77 11/4/2005 1/1/2006 12/1/2035
3505 4436.11 10/14/2005 12/1/2005 11/1/2035
3506 1781.22 10/20/2005 12/1/2005 11/1/2035
3507 517.19 10/20/2005 12/1/2005 11/1/2035
3508 1427.35 10/19/2005 12/1/2005 11/1/2035
3509 1668.2 10/21/2005 12/1/2005 11/1/2035
3510 639.22 10/21/2005 12/1/2005 11/1/2035
3511 421.24 10/17/2005 12/1/2005 11/1/2035
3512 1019.84 10/14/2005 12/1/2005 11/1/2035
3513 811.37 10/19/2005 12/1/2005 11/1/2035
3514 2674.65 10/14/2005 12/1/2005 11/1/2035
3515 725.07 10/25/2005 12/1/2005 11/1/2035
3516 4921.88 10/18/2005 12/1/2005 11/1/2035
3517 1852.92 10/13/2005 12/1/2005 11/1/2035
3518 3323.17 10/18/2005 12/1/2005 11/1/2035
3519 1485.12 9/28/2005 11/1/2005 10/1/2035
3520 1773.41 10/19/2005 12/1/2005 11/1/2035
3521 927.55 10/7/2005 12/1/2005 11/1/2035
3522 2054.91 10/27/2005 12/1/2005 11/1/2035
3523 2662.01 10/20/2005 12/1/2005 11/1/2035
3524 1801.04 10/14/2005 12/1/2005 11/1/2035
3525 3728.9 10/24/2005 12/1/2005 11/1/2035
3526 127.58 10/19/2005 12/1/2005 11/1/2020
3527 886.25 10/18/2005 12/1/2005 11/1/2035
3528 357.44 10/17/2005 12/1/2005 11/1/2020
3529 971.42 10/21/2005 12/1/2005 11/1/2035
3530 465.21 10/17/2005 12/1/2005 11/1/2035
3531 1404.85 10/17/2005 12/1/2005 11/1/2035
3532 4193.33 10/20/2005 12/1/2005 11/1/2035
3533 327.01 10/24/2005 12/1/2005 11/1/2035
3534 128.41 10/25/2005 12/1/2005 11/1/2020
3535 467.11 10/19/2005 12/1/2005 11/1/2035
3536 2082.4 10/19/2005 12/1/2005 11/1/2035
3537 1686.06 10/21/2005 12/1/2005 11/1/2035
3538 1652.79 10/13/2005 12/1/2005 11/1/2035
3539 1910.03 10/17/2005 12/1/2005 11/1/2035
3540 1383.83 9/28/2005 11/1/2005 10/1/2035
3541 359.51 10/10/2005 12/1/2005 11/1/2035
3542 5061.42 10/12/2005 12/1/2005 11/1/2035
3543 1233.8 10/21/2005 12/1/2005 11/1/2035
3544 2122.8 10/13/2005 12/1/2005 11/1/2035
3545 559.04 10/25/2005 12/1/2005 11/1/2035
3546 738.22 10/17/2005 12/1/2005 11/1/2035
3547 1977.6 10/13/2005 12/1/2005 11/1/2035
3548 2990 10/3/2005 12/1/2005 11/1/2035
3549 1449.15 10/5/2005 12/1/2005 11/1/2035
3550 4144.6 10/21/2005 12/1/2005 11/1/2035
3551 2271.65 10/4/2005 12/1/2005 11/1/2035
3552 696.55 10/13/2005 12/1/2005 11/1/2035
3553 1770.77 10/21/2005 12/1/2005 11/1/2035
3554 260.47 10/13/2005 12/1/2005 11/1/2035
3555 655.3 10/19/2005 12/1/2005 11/1/2035
3556 2063.27 10/12/2005 12/1/2005 11/1/2035
3557 1759.37 10/4/2005 12/1/2005 11/1/2035
3558 794.74 10/7/2005 12/1/2005 11/1/2035
3559 1164.1 10/18/2005 12/1/2005 11/1/2035
3560 915.59 10/6/2005 12/1/2005 11/1/2035
3561 979.68 10/4/2005 12/1/2005 11/1/2035
3562 2626.6 10/21/2005 12/1/2005 11/1/2035
3563 205 9/27/2005 12/1/2005 11/1/2035
3564 1465.42 10/27/2005 12/1/2005 11/1/2035
3565 2608.08 10/5/2005 12/1/2005 11/1/2035
3566 5129.44 10/20/2005 12/1/2005 11/1/2035
3567 1009.3 10/10/2005 12/1/2005 11/1/2035
3568 647.95 10/20/2005 12/1/2005 11/1/2035
3569 563.89 10/12/2005 12/1/2005 11/1/2035
3570 736.42 9/30/2005 11/1/2005 10/1/2035
3571 505.58 10/13/2005 12/1/2005 11/1/2035
3572 1444.47 10/5/2005 12/1/2005 11/1/2035
3573 1946.82 10/6/2005 12/1/2005 11/1/2035
3574 1099.62 10/27/2005 12/1/2005 11/1/2035
3575 999.61 10/4/2005 12/1/2005 11/1/2035
3576 481.65 10/4/2005 12/1/2005 11/1/2035
3577 824.04 10/25/2005 12/1/2005 11/1/2035
3578 2084.17 10/19/2005 12/1/2005 11/1/2035
3579 754.58 10/20/2005 12/1/2005 11/1/2035
3580 866.43 10/21/2005 12/1/2005 11/1/2035
3581 277.45 10/25/2005 12/1/2005 11/1/2025
3582 1188.04 10/17/2005 12/1/2005 11/1/2035
3583 3162.5 10/19/2005 12/1/2005 11/1/2035
3584 2031.72 8/29/2005 10/1/2005 9/1/2020
3585 1343.47 8/30/2005 10/1/2005 9/1/2035
3586 857.67 8/30/2005 10/1/2005 9/1/2020
3587 3468.18 8/22/2005 10/1/2005 9/1/2035
3588 2461.24 8/25/2005 10/1/2005 9/1/2035
3589 5046.87 8/23/2005 10/1/2005 9/1/2035
3590 759.75 10/14/2005 11/1/2005 10/1/2035
3591 1211.83 10/6/2005 12/1/2005 11/1/2035
3592 257.9 10/7/2005 12/1/2005 11/1/2020
3593 1783.08 10/12/2005 12/1/2005 11/1/2035
3594 2059 10/12/2005 12/1/2005 11/1/2035
3595 194.9 10/10/2005 12/1/2005 11/1/2015
3596 958.43 10/5/2005 12/1/2005 11/1/2035
3597 4343.75 10/7/2005 12/1/2005 11/1/2035
3598 553.29 10/11/2005 12/1/2005 11/1/2035
3599 2334.95 10/8/2004 12/1/2004 11/1/2034
3600 1992.62 6/28/2005 8/1/2005 7/1/2035
3601 1295.93 9/27/2005 10/1/2005 9/1/2035
3602 360.4 10/3/2005 12/1/2005 11/1/2035
3603 1760.6 9/28/2005 11/1/2005 10/1/2035
3604 1637.56 10/18/2005 12/1/2005 11/1/2035
3605 1256.26 10/7/2005 12/1/2005 11/1/2035
3606 626.67 10/25/2005 12/1/2005 11/1/2035
3607 581.98 9/28/2005 11/1/2005 10/1/2035
3608 2607.49 9/23/2005 11/1/2005 10/1/2035
3609 617.97 10/3/2005 12/1/2005 11/1/2035
3610 1907.48 10/14/2005 12/1/2005 11/1/2035
3611 873.37 10/12/2005 12/1/2005 11/1/2035
3612 351.64 10/12/2005 12/1/2005 11/1/2035
3613 1112.08 9/20/2005 11/1/2005 10/1/2035
3614 868.43 9/28/2005 11/1/2005 10/1/2035
3615 1271.73 10/11/2005 12/1/2005 11/1/2035
3616 1309.05 9/14/2005 11/1/2005 10/1/2035
3617 363.96 10/11/2005 12/1/2005 11/1/2025
3618 1268.38 10/3/2005 12/1/2005 11/1/2035
3619 1027.15 10/20/2005 12/1/2005 11/1/2035
3620 1872.26 10/25/2005 12/1/2005 11/1/2035
3621 940.34 10/21/2005 12/1/2005 11/1/2035
3622 725.85 10/20/2005 12/1/2005 11/1/2035
3623 1750.77 10/19/2005 12/1/2005 11/1/2035
3624 157.49 10/12/2005 12/1/2005 11/1/2015
3625 496.2 10/5/2005 12/1/2005 11/1/2035
3626 491.54 10/3/2005 12/1/2005 11/1/2035
3627 2573.19 10/4/2005 12/1/2005 11/1/2035
3628 614.31 10/4/2005 12/1/2005 11/1/2035
3629 792.27 10/7/2005 12/1/2005 11/1/2035
3630 1038.02 10/7/2005 12/1/2005 11/1/2035
3631 747.76 10/10/2005 12/1/2005 11/1/2035
3632 669.85 10/21/2005 12/1/2005 11/1/2035
3633 1815.47 10/17/2005 12/1/2005 11/1/2035
3634 1187.46 8/25/2005 10/1/2005 9/1/2035
3635 5498.01 10/7/2005 12/1/2005 11/1/2035
3636 816.89 10/3/2005 12/1/2005 11/1/2035
3637 2257.89 10/12/2005 12/1/2005 11/1/2035
3638 258.41 10/6/2005 12/1/2005 11/1/2035
3639 412.89 10/6/2005 12/1/2005 11/1/2035
3640 447.38 10/7/2005 12/1/2005 11/1/2035
3641 974.62 10/13/2005 12/1/2005 11/1/2035
3642 3793.93 10/17/2005 12/1/2005 11/1/2035
3643 1550.99 9/6/2005 11/1/2005 10/1/2035
3644 1070.7 10/27/2005 12/1/2005 11/1/2035
3645 2131.51 10/19/2005 12/1/2005 11/1/2035
3646 559.52 10/5/2005 12/1/2005 11/1/2035
3647 3854.42 10/20/2005 12/1/2005 11/1/2035
3648 759.5 10/21/2005 12/1/2005 11/1/2035
3649 482.26 10/10/2005 12/1/2005 11/1/2035
3650 243.2 10/21/2005 12/1/2005 11/1/2035
3651 564.94 6/9/2005 8/1/2005 7/1/2035
3652 1845.24 8/31/2005 10/1/2005 9/1/2035
Loan Number As of Date Loan Age Original Term Remaining Term (Stated)
----------- ---------- -------- ------------- -----------------------
1 2/1/2006 4 360 356
2 2/1/2006 3 360 357
3 2/1/2006 4 360 356
4 2/1/2006 4 360 356
5 2/1/2006 11 360 349
6 2/1/2006 8 360 352
7 2/1/2006 8 360 352
8 2/1/2006 5 360 355
9 2/1/2006 6 360 354
10 2/1/2006 5 360 355
11 2/1/2006 5 360 355
12 2/1/2006 6 360 354
13 2/1/2006 6 360 354
14 2/1/2006 6 180 174
15 2/1/2006 6 360 354
16 2/1/2006 6 360 354
17 2/1/2006 6 360 354
18 2/1/2006 5 360 355
19 2/1/2006 6 360 354
20 2/1/2006 6 360 354
21 2/1/2006 4 360 356
22 2/1/2006 5 360 355
23 2/1/2006 5 360 355
24 2/1/2006 6 360 354
25 2/1/2006 6 180 174
26 2/1/2006 5 360 355
27 2/1/2006 6 360 354
28 2/1/2006 5 360 355
29 2/1/2006 6 360 354
30 2/1/2006 6 360 354
31 2/1/2006 6 180 174
32 2/1/2006 6 360 354
33 2/1/2006 6 180 174
34 2/1/2006 5 360 355
35 2/1/2006 5 180 175
36 2/1/2006 5 360 355
37 2/1/2006 6 360 354
38 2/1/2006 5 360 355
39 2/1/2006 6 180 174
40 2/1/2006 5 360 355
41 2/1/2006 5 360 355
42 2/1/2006 5 180 175
43 2/1/2006 6 360 354
44 2/1/2006 5 360 355
45 2/1/2006 6 360 354
46 2/1/2006 6 360 354
47 2/1/2006 6 360 354
48 2/1/2006 5 360 355
49 2/1/2006 6 360 354
50 2/1/2006 4 360 356
51 2/1/2006 5 360 355
52 2/1/2006 4 360 356
53 2/1/2006 5 360 355
54 2/1/2006 5 360 355
55 2/1/2006 5 360 355
56 2/1/2006 6 360 354
57 2/1/2006 5 360 355
58 2/1/2006 5 360 355
59 2/1/2006 6 360 354
60 2/1/2006 6 360 354
61 2/1/2006 6 360 354
62 2/1/2006 4 180 176
63 2/1/2006 6 360 354
64 2/1/2006 5 360 355
65 2/1/2006 5 360 355
66 2/1/2006 6 360 354
67 2/1/2006 5 360 355
68 2/1/2006 5 360 355
69 2/1/2006 5 360 355
70 2/1/2006 6 180 174
71 2/1/2006 6 360 354
72 2/1/2006 4 360 356
73 2/1/2006 5 360 355
74 2/1/2006 5 360 355
75 2/1/2006 5 180 175
76 2/1/2006 5 360 355
77 2/1/2006 5 360 355
78 2/1/2006 5 360 355
79 2/1/2006 5 360 355
80 2/1/2006 5 360 355
81 2/1/2006 5 360 355
82 2/1/2006 5 360 355
83 2/1/2006 5 360 355
84 2/1/2006 5 180 175
85 2/1/2006 5 360 355
86 2/1/2006 6 360 354
87 2/1/2006 5 360 355
88 2/1/2006 5 360 355
89 2/1/2006 5 180 175
90 2/1/2006 5 360 355
91 2/1/2006 5 180 175
92 2/1/2006 5 180 175
93 2/1/2006 6 360 354
94 2/1/2006 5 360 355
95 2/1/2006 5 360 355
96 2/1/2006 5 180 175
97 2/1/2006 4 180 176
98 2/1/2006 5 360 355
99 2/1/2006 5 360 355
100 2/1/2006 5 360 355
101 2/1/2006 5 360 355
102 2/1/2006 5 360 355
103 2/1/2006 5 360 355
104 2/1/2006 5 360 355
105 2/1/2006 5 360 355
106 2/1/2006 5 360 355
107 2/1/2006 4 360 356
108 2/1/2006 5 180 175
109 2/1/2006 5 360 355
110 2/1/2006 5 360 355
111 2/1/2006 5 180 175
112 2/1/2006 5 360 355
113 2/1/2006 5 360 355
114 2/1/2006 8 360 352
115 2/1/2006 7 360 353
116 2/1/2006 6 360 354
117 2/1/2006 5 360 355
118 2/1/2006 5 360 355
119 2/1/2006 5 360 355
120 2/1/2006 4 360 356
121 2/1/2006 3 360 357
122 2/1/2006 7 360 353
123 2/1/2006 4 360 356
124 2/1/2006 4 360 356
125 2/1/2006 3 360 357
126 2/1/2006 4 360 356
127 2/1/2006 6 360 354
128 2/1/2006 6 180 174
129 2/1/2006 4 360 356
130 2/1/2006 4 180 176
131 2/1/2006 5 360 355
132 2/1/2006 4 360 356
133 2/1/2006 4 360 356
134 2/1/2006 4 360 356
135 2/1/2006 4 360 356
136 2/1/2006 3 360 357
137 2/1/2006 3 360 357
138 2/1/2006 3 360 357
139 2/1/2006 3 360 357
140 2/1/2006 3 360 357
141 2/1/2006 3 360 357
142 2/1/2006 5 180 175
143 2/1/2006 4 360 356
144 2/1/2006 5 360 355
145 2/1/2006 3 180 177
146 2/1/2006 5 360 355
147 2/1/2006 4 360 356
148 2/1/2006 5 360 355
149 2/1/2006 6 360 354
150 2/1/2006 4 360 356
151 2/1/2006 5 360 355
152 2/1/2006 4 360 356
153 2/1/2006 3 360 357
154 2/1/2006 3 360 357
155 2/1/2006 3 360 357
156 2/1/2006 3 360 357
157 2/1/2006 3 360 357
158 2/1/2006 3 360 357
159 2/1/2006 3 360 357
160 2/1/2006 3 360 357
161 2/1/2006 3 360 357
162 2/1/2006 3 360 357
163 2/1/2006 3 360 357
164 2/1/2006 3 360 357
165 2/1/2006 3 360 357
166 2/1/2006 3 360 357
167 2/1/2006 3 360 357
168 2/1/2006 3 360 357
169 2/1/2006 3 360 357
170 2/1/2006 3 360 357
171 2/1/2006 3 360 357
172 2/1/2006 3 360 357
173 2/1/2006 3 360 357
174 2/1/2006 3 360 357
175 2/1/2006 3 360 357
176 2/1/2006 3 360 357
177 2/1/2006 3 360 357
178 2/1/2006 3 360 357
179 2/1/2006 3 360 357
180 2/1/2006 3 360 357
181 2/1/2006 3 360 357
182 2/1/2006 3 360 357
183 2/1/2006 3 360 357
184 2/1/2006 3 360 357
185 2/1/2006 3 60 57
186 2/1/2006 3 360 357
187 2/1/2006 3 360 357
188 2/1/2006 3 360 357
189 2/1/2006 3 360 357
190 2/1/2006 3 360 357
191 2/1/2006 3 120 117
192 2/1/2006 3 360 357
193 2/1/2006 3 360 357
194 2/1/2006 3 360 357
195 2/1/2006 3 360 357
196 2/1/2006 3 360 357
197 2/1/2006 3 360 357
198 2/1/2006 3 360 357
199 2/1/2006 3 360 357
200 2/1/2006 3 360 357
201 2/1/2006 3 360 357
202 2/1/2006 3 360 357
203 2/1/2006 3 360 357
204 2/1/2006 3 360 357
205 2/1/2006 3 360 357
206 2/1/2006 3 360 357
207 2/1/2006 3 360 357
208 2/1/2006 3 360 357
209 2/1/2006 3 360 357
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1628 2/1/2006 3 360 357
1629 2/1/2006 3 360 357
1630 2/1/2006 3 360 357
1631 2/1/2006 3 180 177
1632 2/1/2006 3 360 357
1633 2/1/2006 3 360 357
1634 2/1/2006 3 360 357
1635 2/1/2006 3 360 357
1636 2/1/2006 3 360 357
1637 2/1/2006 3 360 357
1638 2/1/2006 3 360 357
1639 2/1/2006 3 360 357
1640 2/1/2006 3 360 357
1641 2/1/2006 3 180 177
1642 2/1/2006 3 360 357
1643 2/1/2006 3 360 357
1644 2/1/2006 7 360 353
1645 2/1/2006 4 360 356
1646 2/1/2006 4 360 356
1647 2/1/2006 3 360 357
1648 2/1/2006 3 360 357
1649 2/1/2006 3 360 357
1650 2/1/2006 3 360 357
1651 2/1/2006 3 360 357
1652 2/1/2006 3 360 357
1653 2/1/2006 3 360 357
1654 2/1/2006 3 360 357
1655 2/1/2006 3 360 357
1656 2/1/2006 3 360 357
1657 2/1/2006 4 360 356
1658 2/1/2006 4 360 356
1659 2/1/2006 5 360 355
1660 2/1/2006 4 360 356
1661 2/1/2006 4 360 356
1662 2/1/2006 4 360 356
1663 2/1/2006 3 180 177
1664 2/1/2006 4 360 356
1665 2/1/2006 4 360 356
1666 2/1/2006 4 360 356
1667 2/1/2006 4 360 356
1668 2/1/2006 3 360 357
1669 2/1/2006 3 360 357
1670 2/1/2006 4 360 356
1671 2/1/2006 3 360 357
1672 2/1/2006 3 360 357
1673 2/1/2006 4 360 356
1674 2/1/2006 4 360 356
1675 2/1/2006 4 360 356
1676 2/1/2006 3 360 357
1677 2/1/2006 4 360 356
1678 2/1/2006 4 360 356
1679 2/1/2006 4 360 356
1680 2/1/2006 4 360 356
1681 2/1/2006 3 360 357
1682 2/1/2006 4 360 356
1683 2/1/2006 4 360 356
1684 2/1/2006 3 360 357
1685 2/1/2006 3 360 357
1686 2/1/2006 3 360 357
1687 2/1/2006 3 360 357
1688 2/1/2006 3 360 357
1689 2/1/2006 4 360 356
1690 2/1/2006 4 180 176
1691 2/1/2006 3 360 357
1692 2/1/2006 3 360 357
1693 2/1/2006 3 360 357
1694 2/1/2006 4 360 356
1695 2/1/2006 4 360 356
1696 2/1/2006 3 120 117
1697 2/1/2006 4 360 356
1698 2/1/2006 3 360 357
1699 2/1/2006 3 360 357
1700 2/1/2006 4 360 356
1701 2/1/2006 3 360 357
1702 2/1/2006 3 360 357
1703 2/1/2006 3 360 357
1704 2/1/2006 3 360 357
1705 2/1/2006 3 360 357
1706 2/1/2006 3 360 357
1707 2/1/2006 3 360 357
1708 2/1/2006 3 360 357
1709 2/1/2006 3 360 357
1710 2/1/2006 3 360 357
1711 2/1/2006 3 360 357
1712 2/1/2006 3 360 357
1713 2/1/2006 3 360 357
1714 2/1/2006 3 360 357
1715 2/1/2006 3 180 177
1716 2/1/2006 4 360 356
1717 2/1/2006 3 360 357
1718 2/1/2006 3 360 357
1719 2/1/2006 4 360 356
1720 2/1/2006 3 360 357
1721 2/1/2006 3 360 357
1722 2/1/2006 3 360 357
1723 2/1/2006 4 360 356
1724 2/1/2006 3 360 357
1725 2/1/2006 4 360 356
1726 2/1/2006 4 360 356
1727 2/1/2006 4 360 356
1728 2/1/2006 3 360 357
1729 2/1/2006 3 360 357
1730 2/1/2006 4 360 356
1731 2/1/2006 4 360 356
1732 2/1/2006 3 360 357
1733 2/1/2006 3 360 357
1734 2/1/2006 3 360 357
1735 2/1/2006 4 360 356
1736 2/1/2006 4 360 356
1737 2/1/2006 4 360 356
1738 2/1/2006 3 360 357
1739 2/1/2006 3 360 357
1740 2/1/2006 3 360 357
1741 2/1/2006 4 360 356
1742 2/1/2006 3 360 357
1743 2/1/2006 4 360 356
1744 2/1/2006 4 360 356
1745 2/1/2006 3 360 357
1746 2/1/2006 3 360 357
1747 2/1/2006 3 360 357
1748 2/1/2006 3 360 357
1749 2/1/2006 4 360 356
1750 2/1/2006 3 360 357
1751 2/1/2006 4 180 176
1752 2/1/2006 3 360 357
1753 2/1/2006 4 360 356
1754 2/1/2006 4 360 356
1755 2/1/2006 3 360 357
1756 2/1/2006 3 360 357
1757 2/1/2006 3 360 357
1758 2/1/2006 3 360 357
1759 2/1/2006 4 360 356
1760 2/1/2006 3 360 357
1761 2/1/2006 3 360 357
1762 2/1/2006 3 360 357
1763 2/1/2006 4 360 356
1764 2/1/2006 4 360 356
1765 2/1/2006 3 360 357
1766 2/1/2006 4 360 356
1767 2/1/2006 3 360 357
1768 2/1/2006 3 360 357
1769 2/1/2006 4 360 356
1770 2/1/2006 3 360 357
1771 2/1/2006 3 360 357
1772 2/1/2006 4 360 356
1773 2/1/2006 4 360 356
1774 2/1/2006 3 360 357
1775 2/1/2006 4 360 356
1776 2/1/2006 4 360 356
1777 2/1/2006 3 360 357
1778 2/1/2006 3 360 357
1779 2/1/2006 3 360 357
1780 2/1/2006 3 360 357
1781 2/1/2006 3 360 357
1782 2/1/2006 3 360 357
1783 2/1/2006 3 360 357
1784 2/1/2006 3 360 357
1785 2/1/2006 3 360 357
1786 2/1/2006 3 360 357
1787 2/1/2006 4 360 356
1788 2/1/2006 3 360 357
1789 2/1/2006 3 360 357
1790 2/1/2006 3 360 357
1791 2/1/2006 3 360 357
1792 2/1/2006 4 360 356
1793 2/1/2006 3 360 357
1794 2/1/2006 3 360 357
1795 2/1/2006 3 360 357
1796 2/1/2006 4 360 356
1797 2/1/2006 4 360 356
1798 2/1/2006 3 360 357
1799 2/1/2006 3 360 357
1800 2/1/2006 3 360 357
1801 2/1/2006 3 360 357
1802 2/1/2006 3 360 357
1803 2/1/2006 3 360 357
1804 2/1/2006 3 360 357
1805 2/1/2006 4 360 356
1806 2/1/2006 3 360 357
1807 2/1/2006 3 360 357
1808 2/1/2006 4 360 356
1809 2/1/2006 3 120 117
1810 2/1/2006 3 180 177
1811 2/1/2006 3 360 357
1812 2/1/2006 3 360 357
1813 2/1/2006 3 360 357
1814 2/1/2006 3 120 117
1815 2/1/2006 3 360 357
1816 2/1/2006 3 360 357
1817 2/1/2006 3 360 357
1818 2/1/2006 3 360 357
1819 2/1/2006 3 360 357
1820 2/1/2006 3 360 357
1821 2/1/2006 3 360 357
1822 2/1/2006 3 360 357
1823 2/1/2006 3 360 357
1824 2/1/2006 3 360 357
1825 2/1/2006 3 360 357
1826 2/1/2006 3 360 357
1827 2/1/2006 3 360 357
1828 2/1/2006 3 360 357
1829 2/1/2006 3 360 357
1830 2/1/2006 3 360 357
1831 2/1/2006 3 360 357
1832 2/1/2006 3 360 357
1833 2/1/2006 3 360 357
1834 2/1/2006 3 360 357
1835 2/1/2006 3 360 357
1836 2/1/2006 3 360 357
1837 2/1/2006 3 360 357
1838 2/1/2006 3 360 357
1839 2/1/2006 3 360 357
1840 2/1/2006 3 360 357
1841 2/1/2006 3 120 117
1842 2/1/2006 3 360 357
1843 2/1/2006 3 360 357
1844 2/1/2006 3 360 357
1845 2/1/2006 3 360 357
1846 2/1/2006 3 360 357
1847 2/1/2006 3 360 357
1848 2/1/2006 3 360 357
1849 2/1/2006 3 360 357
1850 2/1/2006 3 360 357
1851 2/1/2006 3 360 357
1852 2/1/2006 3 360 357
1853 2/1/2006 3 360 357
1854 2/1/2006 3 360 357
1855 2/1/2006 3 360 357
1856 2/1/2006 3 360 357
1857 2/1/2006 3 360 357
1858 2/1/2006 3 360 357
1859 2/1/2006 3 360 357
1860 2/1/2006 3 360 357
1861 2/1/2006 3 360 357
1862 2/1/2006 3 360 357
1863 2/1/2006 3 360 357
1864 2/1/2006 3 360 357
1865 2/1/2006 3 360 357
1866 2/1/2006 3 360 357
1867 2/1/2006 3 360 357
1868 2/1/2006 3 360 357
1869 2/1/2006 3 360 357
1870 2/1/2006 3 360 357
1871 2/1/2006 3 360 357
1872 2/1/2006 3 120 117
1873 2/1/2006 3 360 357
1874 2/1/2006 3 360 357
1875 2/1/2006 3 360 357
1876 2/1/2006 3 360 357
1877 2/1/2006 3 360 357
1878 2/1/2006 3 360 357
1879 2/1/2006 3 360 357
1880 2/1/2006 3 360 357
1881 2/1/2006 3 360 357
1882 2/1/2006 3 360 357
1883 2/1/2006 3 360 357
1884 2/1/2006 3 360 357
1885 2/1/2006 3 360 357
1886 2/1/2006 3 360 357
1887 2/1/2006 3 360 357
1888 2/1/2006 3 360 357
1889 2/1/2006 3 360 357
1890 2/1/2006 3 360 357
1891 2/1/2006 3 360 357
1892 2/1/2006 3 360 357
1893 2/1/2006 3 360 357
1894 2/1/2006 3 360 357
1895 2/1/2006 3 360 357
1896 2/1/2006 3 360 357
1897 2/1/2006 3 360 357
1898 2/1/2006 3 360 357
1899 2/1/2006 3 360 357
1900 2/1/2006 3 360 357
1901 2/1/2006 3 360 357
1902 2/1/2006 3 360 357
1903 2/1/2006 4 360 356
1904 2/1/2006 4 180 176
1905 2/1/2006 6 360 354
1906 2/1/2006 5 360 355
1907 2/1/2006 4 360 356
1908 2/1/2006 4 360 356
1909 2/1/2006 3 360 357
1910 2/1/2006 3 360 357
1911 2/1/2006 3 360 357
1912 2/1/2006 4 360 356
1913 2/1/2006 4 360 356
1914 2/1/2006 4 360 356
1915 2/1/2006 4 360 356
1916 2/1/2006 4 360 356
1917 2/1/2006 5 360 355
1918 2/1/2006 4 360 356
1919 2/1/2006 4 360 356
1920 2/1/2006 3 360 357
1921 2/1/2006 4 360 356
1922 2/1/2006 3 360 357
1923 2/1/2006 4 360 356
1924 2/1/2006 4 360 356
1925 2/1/2006 4 360 356
1926 2/1/2006 3 360 357
1927 2/1/2006 3 180 177
1928 2/1/2006 4 360 356
1929 2/1/2006 4 240 236
1930 2/1/2006 3 360 357
1931 2/1/2006 3 360 357
1932 2/1/2006 4 360 356
1933 2/1/2006 3 360 357
1934 2/1/2006 4 360 356
1935 2/1/2006 4 360 356
1936 2/1/2006 4 360 356
1937 2/1/2006 3 360 357
1938 2/1/2006 3 180 177
1939 2/1/2006 4 360 356
1940 2/1/2006 4 360 356
1941 2/1/2006 3 360 357
1942 2/1/2006 3 360 357
1943 2/1/2006 4 360 356
1944 2/1/2006 3 360 357
1945 2/1/2006 4 360 356
1946 2/1/2006 4 360 356
1947 2/1/2006 3 360 357
1948 2/1/2006 3 360 357
1949 2/1/2006 4 180 176
1950 2/1/2006 3 360 357
1951 2/1/2006 4 360 356
1952 2/1/2006 3 360 357
1953 2/1/2006 3 360 357
1954 2/1/2006 3 360 357
1955 2/1/2006 4 360 356
1956 2/1/2006 3 360 357
1957 2/1/2006 3 360 357
1958 2/1/2006 4 360 356
1959 2/1/2006 3 360 357
1960 2/1/2006 3 360 357
1961 2/1/2006 3 360 357
1962 2/1/2006 4 360 356
1963 2/1/2006 4 360 356
1964 2/1/2006 3 360 357
1965 2/1/2006 3 360 357
1966 2/1/2006 3 360 357
1967 2/1/2006 3 360 357
1968 2/1/2006 3 360 357
1969 2/1/2006 3 360 357
1970 2/1/2006 3 180 177
1971 2/1/2006 3 360 357
1972 2/1/2006 4 360 356
1973 2/1/2006 3 360 357
1974 2/1/2006 3 360 357
1975 2/1/2006 3 360 357
1976 2/1/2006 3 360 357
1977 2/1/2006 3 360 357
1978 2/1/2006 4 360 356
1979 2/1/2006 3 360 357
1980 2/1/2006 3 360 357
1981 2/1/2006 3 360 357
1982 2/1/2006 4 360 356
1983 2/1/2006 3 360 357
1984 2/1/2006 3 360 357
1985 2/1/2006 3 360 357
1986 2/1/2006 3 360 357
1987 2/1/2006 3 360 357
1988 2/1/2006 3 360 357
1989 2/1/2006 3 360 357
1990 2/1/2006 3 360 357
1991 2/1/2006 3 360 357
1992 2/1/2006 3 360 357
1993 2/1/2006 3 360 357
1994 2/1/2006 3 360 357
1995 2/1/2006 4 360 356
1996 2/1/2006 3 360 357
1997 2/1/2006 3 360 357
1998 2/1/2006 3 360 357
1999 2/1/2006 3 360 357
2000 2/1/2006 3 360 357
2001 2/1/2006 3 360 357
2002 2/1/2006 4 360 356
2003 2/1/2006 3 360 357
2004 2/1/2006 3 360 357
2005 2/1/2006 3 360 357
2006 2/1/2006 3 360 357
2007 2/1/2006 3 360 357
2008 2/1/2006 3 360 357
2009 2/1/2006 3 360 357
2010 2/1/2006 3 360 357
2011 2/1/2006 3 360 357
2012 2/1/2006 3 360 357
2013 2/1/2006 3 360 357
2014 2/1/2006 3 360 357
2015 2/1/2006 3 360 357
2016 2/1/2006 3 360 357
2017 2/1/2006 3 360 357
2018 2/1/2006 3 360 357
2019 2/1/2006 3 120 117
2020 2/1/2006 3 360 357
2021 2/1/2006 3 360 357
2022 2/1/2006 3 360 357
2023 2/1/2006 3 360 357
2024 2/1/2006 3 360 357
2025 2/1/2006 3 360 357
2026 2/1/2006 3 360 357
2027 2/1/2006 4 360 356
2028 2/1/2006 5 360 355
2029 2/1/2006 4 360 356
2030 2/1/2006 3 360 357
2031 2/1/2006 4 360 356
2032 2/1/2006 3 360 357
2033 2/1/2006 3 360 357
2034 2/1/2006 3 360 357
2035 2/1/2006 3 180 177
2036 2/1/2006 4 360 356
2037 2/1/2006 6 360 354
2038 2/1/2006 4 360 356
2039 2/1/2006 4 360 356
2040 2/1/2006 3 360 357
2041 2/1/2006 3 360 357
2042 2/1/2006 3 360 357
2043 2/1/2006 4 360 356
2044 2/1/2006 4 360 356
2045 2/1/2006 4 360 356
2046 2/1/2006 4 360 356
2047 2/1/2006 4 360 356
2048 2/1/2006 4 360 356
2049 2/1/2006 3 360 357
2050 2/1/2006 4 360 356
2051 2/1/2006 4 360 356
2052 2/1/2006 3 360 357
2053 2/1/2006 3 360 357
2054 2/1/2006 4 360 356
2055 2/1/2006 3 360 357
2056 2/1/2006 3 360 357
2057 2/1/2006 4 360 356
2058 2/1/2006 4 360 356
2059 2/1/2006 4 360 356
2060 2/1/2006 4 360 356
2061 2/1/2006 3 360 357
2062 2/1/2006 3 360 357
2063 2/1/2006 4 360 356
2064 2/1/2006 3 360 357
2065 2/1/2006 3 360 357
2066 2/1/2006 4 360 356
2067 2/1/2006 3 360 357
2068 2/1/2006 3 360 357
2069 2/1/2006 4 360 356
2070 2/1/2006 3 360 357
2071 2/1/2006 4 360 356
2072 2/1/2006 4 360 356
2073 2/1/2006 3 360 357
2074 2/1/2006 4 360 356
2075 2/1/2006 4 360 356
2076 2/1/2006 3 360 357
2077 2/1/2006 4 360 356
2078 2/1/2006 3 360 357
2079 2/1/2006 4 360 356
2080 2/1/2006 3 360 357
2081 2/1/2006 3 360 357
2082 2/1/2006 3 360 357
2083 2/1/2006 3 360 357
2084 2/1/2006 3 360 357
2085 2/1/2006 3 360 357
2086 2/1/2006 3 360 357
2087 2/1/2006 3 360 357
2088 2/1/2006 3 180 177
2089 2/1/2006 3 360 357
2090 2/1/2006 4 360 356
2091 2/1/2006 3 360 357
2092 2/1/2006 3 360 357
2093 2/1/2006 4 360 356
2094 2/1/2006 4 360 356
2095 2/1/2006 3 360 357
2096 2/1/2006 3 360 357
2097 2/1/2006 3 360 357
2098 2/1/2006 3 360 357
2099 2/1/2006 3 360 357
2100 2/1/2006 3 360 357
2101 2/1/2006 3 360 357
2102 2/1/2006 3 360 357
2103 2/1/2006 4 360 356
2104 2/1/2006 3 180 177
2105 2/1/2006 3 360 357
2106 2/1/2006 3 360 357
2107 2/1/2006 3 360 357
2108 2/1/2006 3 360 357
2109 2/1/2006 3 360 357
2110 2/1/2006 3 360 357
2111 2/1/2006 3 360 357
2112 2/1/2006 3 360 357
2113 2/1/2006 3 360 357
2114 2/1/2006 3 360 357
2115 2/1/2006 3 360 357
2116 2/1/2006 3 360 357
2117 2/1/2006 4 360 356
2118 2/1/2006 4 360 356
2119 2/1/2006 3 120 117
2120 2/1/2006 4 360 356
2121 2/1/2006 3 360 357
2122 2/1/2006 3 360 357
2123 2/1/2006 3 360 357
2124 2/1/2006 3 360 357
2125 2/1/2006 3 180 177
2126 2/1/2006 3 360 357
2127 2/1/2006 3 360 357
2128 2/1/2006 3 360 357
2129 2/1/2006 3 360 357
2130 2/1/2006 3 360 357
2131 2/1/2006 4 360 356
2132 2/1/2006 3 360 357
2133 2/1/2006 4 360 356
2134 2/1/2006 3 360 357
2135 2/1/2006 3 360 357
2136 2/1/2006 3 360 357
2137 2/1/2006 3 360 357
2138 2/1/2006 3 360 357
2139 2/1/2006 4 360 356
2140 2/1/2006 3 360 357
2141 2/1/2006 4 360 356
2142 2/1/2006 4 360 356
2143 2/1/2006 3 360 357
2144 2/1/2006 3 360 357
2145 2/1/2006 4 360 356
2146 2/1/2006 3 360 357
2147 2/1/2006 3 360 357
2148 2/1/2006 3 360 357
2149 2/1/2006 3 360 357
2150 2/1/2006 3 360 357
2151 2/1/2006 3 360 357
2152 2/1/2006 4 360 356
2153 2/1/2006 3 360 357
2154 2/1/2006 4 360 356
2155 2/1/2006 4 360 356
2156 2/1/2006 4 360 356
2157 2/1/2006 4 360 356
2158 2/1/2006 3 360 357
2159 2/1/2006 3 360 357
2160 2/1/2006 3 180 177
2161 2/1/2006 3 360 357
2162 2/1/2006 3 360 357
2163 2/1/2006 3 360 357
2164 2/1/2006 3 360 357
2165 2/1/2006 3 360 357
2166 2/1/2006 3 360 357
2167 2/1/2006 3 360 357
2168 2/1/2006 3 360 357
2169 2/1/2006 3 360 357
2170 2/1/2006 3 360 357
2171 2/1/2006 4 360 356
2172 2/1/2006 3 360 357
2173 2/1/2006 3 360 357
2174 2/1/2006 3 360 357
2175 2/1/2006 3 360 357
2176 2/1/2006 3 360 357
2177 2/1/2006 3 360 357
2178 2/1/2006 3 360 357
2179 2/1/2006 4 360 356
2180 2/1/2006 3 360 357
2181 2/1/2006 3 360 357
2182 2/1/2006 3 360 357
2183 2/1/2006 3 360 357
2184 2/1/2006 3 360 357
2185 2/1/2006 3 180 177
2186 2/1/2006 3 360 357
2187 2/1/2006 4 360 356
2188 2/1/2006 4 360 356
2189 2/1/2006 3 360 357
2190 2/1/2006 4 360 356
2191 2/1/2006 3 360 357
2192 2/1/2006 3 360 357
2193 2/1/2006 3 360 357
2194 2/1/2006 4 360 356
2195 2/1/2006 4 360 356
2196 2/1/2006 3 360 357
2197 2/1/2006 3 360 357
2198 2/1/2006 3 360 357
2199 2/1/2006 4 360 356
2200 2/1/2006 4 360 356
2201 2/1/2006 4 360 356
2202 2/1/2006 3 360 357
2203 2/1/2006 4 360 356
2204 2/1/2006 3 360 357
2205 2/1/2006 4 360 356
2206 2/1/2006 3 360 357
2207 2/1/2006 4 360 356
2208 2/1/2006 3 360 357
2209 2/1/2006 3 360 357
2210 2/1/2006 3 360 357
2211 2/1/2006 3 360 357
2212 2/1/2006 3 360 357
2213 2/1/2006 3 360 357
2214 2/1/2006 3 360 357
2215 2/1/2006 3 360 357
2216 2/1/2006 3 360 357
2217 2/1/2006 3 360 357
2218 2/1/2006 3 360 357
2219 2/1/2006 3 360 357
2220 2/1/2006 3 360 357
2221 2/1/2006 3 360 357
2222 2/1/2006 3 360 357
2223 2/1/2006 3 360 357
2224 2/1/2006 3 360 357
2225 2/1/2006 3 360 357
2226 2/1/2006 3 360 357
2227 2/1/2006 3 360 357
2228 2/1/2006 3 360 357
2229 2/1/2006 3 360 357
2230 2/1/2006 3 360 357
2231 2/1/2006 3 360 357
2232 2/1/2006 3 360 357
2233 2/1/2006 3 360 357
2234 2/1/2006 3 360 357
2235 2/1/2006 3 360 357
2236 2/1/2006 4 360 356
2237 2/1/2006 3 360 357
2238 2/1/2006 4 360 356
2239 2/1/2006 4 360 356
2240 2/1/2006 4 360 356
2241 2/1/2006 3 360 357
2242 2/1/2006 3 360 357
2243 2/1/2006 3 360 357
2244 2/1/2006 5 360 355
2245 2/1/2006 3 360 357
2246 2/1/2006 4 360 356
2247 2/1/2006 4 360 356
2248 2/1/2006 3 360 357
2249 2/1/2006 4 360 356
2250 2/1/2006 3 360 357
2251 2/1/2006 3 360 357
2252 2/1/2006 4 360 356
2253 2/1/2006 3 120 117
2254 2/1/2006 4 360 356
2255 2/1/2006 3 360 357
2256 2/1/2006 3 360 357
2257 2/1/2006 4 360 356
2258 2/1/2006 3 180 177
2259 2/1/2006 4 360 356
2260 2/1/2006 3 360 357
2261 2/1/2006 3 360 357
2262 2/1/2006 3 360 357
2263 2/1/2006 3 360 357
2264 2/1/2006 3 360 357
2265 2/1/2006 4 180 176
2266 2/1/2006 3 360 357
2267 2/1/2006 3 360 357
2268 2/1/2006 3 360 357
2269 2/1/2006 3 360 357
2270 2/1/2006 3 360 357
2271 2/1/2006 3 360 357
2272 2/1/2006 3 360 357
2273 2/1/2006 4 360 356
2274 2/1/2006 3 180 177
2275 2/1/2006 3 360 357
2276 2/1/2006 4 360 356
2277 2/1/2006 3 360 357
2278 2/1/2006 4 360 356
2279 2/1/2006 4 360 356
2280 2/1/2006 3 60 57
2281 2/1/2006 3 360 357
2282 2/1/2006 4 360 356
2283 2/1/2006 4 360 356
2284 2/1/2006 3 360 357
2285 2/1/2006 3 360 357
2286 2/1/2006 3 360 357
2287 2/1/2006 3 360 357
2288 2/1/2006 3 360 357
2289 2/1/2006 3 360 357
2290 2/1/2006 3 360 357
2291 2/1/2006 4 360 356
2292 2/1/2006 3 360 357
2293 2/1/2006 4 360 356
2294 2/1/2006 3 120 117
2295 2/1/2006 4 360 356
2296 2/1/2006 3 360 357
2297 2/1/2006 3 360 357
2298 2/1/2006 4 360 356
2299 2/1/2006 3 360 357
2300 2/1/2006 3 360 357
2301 2/1/2006 3 180 177
2302 2/1/2006 4 360 356
2303 2/1/2006 4 360 356
2304 2/1/2006 3 360 357
2305 2/1/2006 3 360 357
2306 2/1/2006 4 360 356
2307 2/1/2006 4 360 356
2308 2/1/2006 4 60 56
2309 2/1/2006 3 360 357
2310 2/1/2006 3 360 357
2311 2/1/2006 3 360 357
2312 2/1/2006 4 360 356
2313 2/1/2006 3 360 357
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