Common use of BAL Clause in Contracts

BAL. Loan FICO DTI LTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70-79.99% and > 50% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 80-84.99% and > 50% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 85-89.99% and > 50% 0.77 7,420,381 231,887 610 53.21 85.57 6.89 88.20 5.58 90-94.99% and > 50% 1.28 12,311,448 205,191 610 53.06 90.58 7.25 84.90 6.67 95-99.99% and > 50% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 100-109.99% and > 50% 0.63 6,042,369 87,571 647 52.58 100.00 8.52 72.17 12.83 >=110% and > 50% % With LTV and DTI % Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds ----------------------------------------------------------------------------------------------------------------------------------- 70-79.99% and > 50% 98.29 1.71 2.56 86.42 0.00 0.00 0.00 42.45 18.46 80-84.99% and > 50% 99.27 0.33 10.82 76.37 3.59 0.00 0.00 45.83 75.11 85-89.99% and > 50% 98.79 1.21 0.00 87.36 6.32 0.00 0.00 36.06 0.00 90-94.99% and > 50% 94.87 4.40 5.22 88.78 1.64 0.00 0.00 34.78 7.00 95-99.99% and > 50% 100.00 0.00 0.00 92.73 2.53 0.00 0.00 45.10 12.70 100-109.99% and > 50% 100.00 0.00 9.80 80.96 7.56 0.00 0.00 0.00 0.00 >=110% and > 50%

BAL. Loan FICO DTI LTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70----------------------------------------------------------------------------------------------------------------------------------- 20-79.9929.99% and > 50% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 80< 550 0.77 7,397,609 125,383 533 25.93 71.99 7.89 82.33 11.32 30-84.9934.99% and > 50% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 85< 600 1.92 18,530,972 145,913 557 32.50 78.63 7.86 85.47 12.25 35-89.9939.99% and > 50% 0.77 7,420,381 231,887 < 675 11.93 115,116,821 164,218 610 53.21 85.57 6.89 88.20 5.58 9037.69 81.83 7.41 76.17 10.05 40-94.9944.99% and > 50% 1.28 12,311,448 205,191 610 53.06 90.58 7.25 84.90 6.67 95< 675 17.61 169,868,597 167,358 616 42.72 82.07 7.35 78.81 10.10 45-99.9949.99% and > < 700 31.53 304,154,964 180,722 627 47.96 82.64 7.28 76.18 8.71 50% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 100-109.9954.99% and > 50% 0.63 6,042,369 87,571 647 52.58 100.00 8.52 72.17 12.83 < 750 8.09 78,040,324 193,648 621 52.65 83.12 7.04 79.23 11.15 >=11055% and > 50% < 750 0.18 1,714,698 171,470 648 55.28 90.92 7.32 30.88 15.06 % With LTV DTI and DTI FICO % Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds ----------------------------------------------------------------------------------------------------------------------------------- 7020-79.9929.99% and > 50% 98.29 1.71 2.56 86.42 < 550 98.91 1.09 0.00 78.22 10.17 0.00 0.00 0.00 42.45 18.46 800.69 30-84.9934.99% and > 50% 99.27 0.33 10.82 76.37 3.59 < 600 98.37 1.63 0.66 82.81 2.70 0.00 0.00 45.83 75.11 8512.01 1.81 35-89.9939.99% and > 50% 98.79 1.21 0.00 87.36 6.32 < 675 97.53 1.97 5.96 59.90 4.41 0.00 0.00 36.06 0.00 9037.12 31.21 40-94.9944.99% and > 50% 94.87 4.40 5.22 88.78 1.64 < 675 98.34 1.27 5.44 51.98 1.34 0.00 0.00 34.78 7.00 9540.84 38.17 45-99.9949.99% and > < 700 98.02 1.42 6.35 46.09 0.83 0.00 0.00 42.54 45.12 50-54.99% and < 750 98.29 1.41 5.33 82.01 3.46 0.00 0.00 37.73 36.67 >=55% and < 750 100.00 0.00 0.00 92.73 2.53 43.48 70.58 12.58 0.00 0.00 45.10 12.70 100-109.99% and > 50% 100.00 0.00 9.80 80.96 7.56 0.00 0.00 0.00 0.00 >=110% and > 50%39.69 29.62

BAL. Loan FICO DTI LTV CLTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70500-79.99% and > 50% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 80524 525-84.99% and > 50% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 85549 550-89.99% and > 50% 0.77 7,420,381 231,887 610 53.21 85.57 6.89 88.20 5.58 90574 575-94.99% and > 50% 599 600-624 0.63 6,071,218 39,169 614 41.96 99.58 10.73 78.92 10.77 625-649 1.74 16,768,771 52,239 635 43.27 99.68 10.85 75.10 9.47 650-674 1.28 12,311,448 205,191 610 53.06 90.58 7.25 84.90 6.67 9512,308,540 52,377 662 43.53 99.58 10.56 72.09 12.28 675-99.99% and > 50% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 100699 0.64 6,171,108 47,838 685 44.04 99.64 10.27 77.54 4.38 700-109.99% and > 50% 0.63 6,042,369 87,571 647 52.58 100.00 8.52 72.17 12.83 724 0.45 4,373,833 53,998 712 44.50 99.59 10.28 69.34 10.38 725-749 0.17 1,667,392 45,065 739 41.36 99.89 10.09 64.28 13.68 >=110% and > 50% % With LTV and DTI 750 0.17 1,638,567 51,205 772 41.88 99.77 9.82 53.37 10.55 Second Liens FICO % Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds % CA % NY % FL ----------------------------------------------------------------------------------------------------------------------------------- 70500-79.99% and > 50% 98.29 1.71 2.56 86.42 524 525-549 550-574 575-599 600-624 100.00 0.00 3.34 83.95 8.36 0.00 0.00 0.00 42.45 18.46 8015.70 1.12 10.59 625-84.99% and > 50% 99.27 0.33 10.82 76.37 3.59 649 100.00 0.00 6.09 22.47 2.58 0.00 0.00 45.83 75.11 850.00 42.66 0.91 11.84 650-89.99% and > 50% 98.79 1.21 674 99.56 0.00 87.36 6.32 5.01 15.37 0.86 0.00 0.00 36.06 0.00 9041.36 0.58 13.67 675-94.99% and > 50% 94.87 4.40 5.22 88.78 1.64 699 98.93 0.00 0.00 34.78 7.00 95-99.99% and > 50% 100.00 0.00 0.00 92.73 2.53 0.00 0.00 45.10 12.70 100-109.99% and > 50% 100.00 0.00 9.80 80.96 7.56 8.32 18.75 0.00 0.00 0.00 0.00 33.38 1.95 12.23 700-724 97.05 0.00 11.63 10.88 1.78 0.00 0.00 0.00 34.15 0.79 6.92 725-749 100.00 0.00 8.38 15.27 4.85 0.00 0.00 0.00 20.72 2.57 19.23 >=110% and > 50%750 94.98 0.00 21.40 24.27 0.00 0.00 0.00 0.00 36.88 0.00 18.80

BAL. Loan FICO DTI LTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70500-79.99% 524 and > 5065% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 801.23 11,899,239 169,989 512 42.57 78.97 8.15 93.76 2.89 525-84.99% 574 and > 5065% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 8511.56 111,453,378 169,125 552 41.22 81.37 7.71 82.74 10.73 575-89.99% 599 and > 5065% 0.77 7,420,381 231,887 610 53.21 85.57 6.89 88.20 5.58 908.37 80,742,019 167,863 587 41.71 85.82 7.70 82.30 8.50 600-94.99% 619 and > 5070% 1.28 12,311,448 205,191 12.24 118,100,174 155,600 610 53.06 90.58 7.25 84.90 6.67 9542.32 84.86 7.24 78.55 11.28 620-99.99% 639 and > 5070% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 10016.21 156,342,563 160,681 629 42.94 83.83 7.32 77.49 8.74 640-109.99% 659 and > 5070% 0.63 6,042,369 87,571 647 52.58 100.00 8.52 72.17 12.83 15.14 146,032,576 173,024 650 42.01 84.10 7.16 73.32 12.63 660-679 and > 80% 3.19 30,800,133 105,120 669 42.89 94.94 8.07 76.42 9.33 680-699 and > 80% 2.25 21,744,853 122,162 689 42.12 93.52 7.59 75.62 5.45 700-724 and > 80% 1.53 14,799,831 108,822 711 43.10 94.23 7.79 67.91 12.23 725-749 and > 80% 0.86 8,301,586 113,720 737 38.20 94.09 7.55 61.05 18.09 >=110% 750 and > 5090% 0.48 4,601,763 100,038 772 41.78 97.96 7.77 80.13 3.76 % With FICO and LTV and DTI % %Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds ----------------------------------------------------------------------------------------------------------------------------------- 70-------------------------------------------------------------------------------------------------------------------------------- 500-79.99% 524 and > 5065% 98.29 1.71 2.56 86.42 99.38 0.62 0.00 93.12 3.14 0.00 0.00 0.00 42.45 18.46 800.69 525-84.99% 574 and > 5065% 99.27 0.33 10.82 76.37 3.59 98.74 0.83 2.10 80.22 2.75 0.00 0.00 45.83 75.11 8514.72 2.94 575-89.99% 599 and > 5065% 98.79 1.21 0.00 87.36 6.32 99.26 0.74 4.16 74.30 2.51 0.00 0.00 36.06 0.00 9024.79 5.36 600-94.99% 619 and > 5070% 94.87 4.40 5.22 88.78 1.64 99.01 0.82 4.14 71.71 6.15 0.00 0.00 34.78 7.00 9538.59 38.15 620-99.99% 639 and > 5070% 100.00 98.18 1.60 6.53 44.90 2.44 0.00 0.00 92.73 2.53 46.55 56.55 640-659 and > 70% 97.01 2.45 5.56 38.66 3.69 0.00 0.00 45.10 12.70 10050.19 57.49 660-109.99% 679 and > 5080% 100.00 96.37 3.29 4.25 45.65 6.08 0.00 9.80 80.96 7.56 0.00 28.46 1.41 680-699 and > 80% 88.50 11.27 10.98 41.12 3.74 0.00 0.00 24.50 0.45 700-724 and > 80% 92.91 6.22 8.23 38.57 2.06 0.00 0.00 24.49 1.07 725-749 and > 80% 78.86 20.06 6.25 37.25 6.45 0.00 0.00 30.57 1.68 >=750 and > 90% 98.21 0.00 7.62 48.92 0.00 0.00 0.00 0.00 >=110% and > 50%6.28 0.00

BAL. Loan FICO DTI LTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70-79.99% and > 50% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 ----------------------------------------------------------------------------------------------------------------------------------- 80-84.99% and > 50% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 85-89.99% and > 50% 0.77 7,420,381 231,887 610 53.21 85.57 6.89 88.20 5.58 56.54 545,391,084 200,217 643 42.78 81.24 6.95 73.66 10.28 90-94.99% and > 50% 1.28 12,311,448 205,191 610 53.06 90.58 7.25 84.90 6.67 10.66 102,854,762 182,691 620 42.03 90.35 7.39 78.01 11.12 95-99.99% and > 50% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 4.33 41,760,022 141,559 650 41.34 95.69 7.80 78.61 9.30 100-109.99% and > 50% 0.63 6,042,369 87,571 647 52.58 8.76 84,483,028 70,344 652 42.47 100.00 8.52 72.17 12.83 9.41 77.98 9.66 >=110% and > 50% % With LTV and DTI CLTV % Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds % CA % NY ----------------------------------------------------------------------------------------------------------------------------------- 70-79.99% and > 50% 98.29 1.71 2.56 86.42 0.00 0.00 0.00 42.45 18.46 80-84.99% and > 50% 99.27 0.33 10.82 76.37 3.59 0.00 0.00 45.83 75.11 85-89.99% and > 50% 98.79 1.21 0.00 87.36 6.32 97.34 1.79 7.48 45.32 3.06 0.00 0.00 36.06 0.00 48.66 31.02 1.88 90-94.99% and > 50% 94.87 4.40 5.22 88.78 1.64 94.55 5.12 6.33 68.46 5.01 0.00 0.00 34.78 7.00 35.60 17.82 2.95 95-99.99% and > 50% 100.00 99.18 0.82 1.82 65.68 2.37 0.00 0.00 92.73 2.53 0.00 0.00 45.10 12.70 40.24 21.94 4.21 100-109.99% and > 50% 100.00 0.00 9.80 80.96 7.56 99.29 0.32 4.75 52.04 3.23 0.00 0.00 0.00 1.83 20.94 0.71 >=110% CLTV % FL 2/28 3/27 5/25 ------------------------------------------------------ 80-89.99% 12.42 70.49 20.99 0.73 90-94.99% 12.17 66.23 20.22 0.97 95-99.99% 13.36 56.49 20.52 1.08 100-109.99% 10.82 32.55 8.58 0.00 >=110% and > 50%

BAL. Loan FICO DTI LTV GWAC % SFD % PUD ------------------------------------------------------------------------------------------------------------------------------------ 70----------------------------------------------------------------------------------------------------------------------------------- 500-79.99% and > 50% 0.90 8,710,280 248,865 607 52.73 75.54 6.65 89.71 7.73 80524 0.12 1,119,667 279,917 519 33.28 73.40 8.99 81.75 18.25 525-84.99% and > 50% 3.58 34,564,117 217,384 637 52.86 80.45 6.81 68.30 16.05 85549 0.70 6,776,770 188,244 537 39.43 68.40 7.49 87.27 5.59 550-89.99% and > 50% 0.77 7,420,381 231,887 610 53.21 85.57 6.89 88.20 5.58 90574 2.21 21,315,184 213,152 563 40.57 73.69 7.41 82.48 6.90 575-94.99% and > 50% 1.28 12,311,448 205,191 610 53.06 90.58 7.25 84.90 6.67 95599 2.35 22,708,264 234,106 587 42.43 79.47 7.40 79.54 6.02 600-99.99% and > 50% 0.35 3,361,314 197,724 606 52.75 95.50 7.38 88.11 7.75 100624 6.04 58,215,153 210,924 615 41.82 81.38 7.22 79.06 9.68 625-109.99% and > 50% 0.63 6,042,369 87,571 647 52.58 100.00 8.52 72.17 12.83 649 11.70 112,817,513 168,384 636 42.36 82.77 7.57 74.65 8.59 650-674 10.49 101,150,209 175,000 661 42.43 82.83 7.34 72.72 10.54 675-699 6.40 61,704,730 170,455 687 42.64 82.88 7.12 71.55 6.96 700-724 4.40 42,425,692 184,460 711 43.39 82.96 7.08 67.52 9.79 725-749 2.80 26,967,059 199,756 737 42.84 80.76 6.87 63.65 8.95 >=110% and > 50% % With LTV and DTI 750 1.97 18,964,640 201,751 771 42.91 82.47 6.86 54.62 10.31 Non-Full Doc FICO % Owner Occ % Investor % 2+ family % Full Doc % Ltd Doc % No Doc % MI % Int Only Seconds ----------------------------------------------------------------------------------------------------------------------------------- 70% CA % NY % FL --------------------------------------------------------------------------------------------------------------------------------- 500-79.99% and > 50% 98.29 1.71 2.56 86.42 524 100.00 0.00 0.00 0.00 42.45 18.46 80-84.99% and > 50% 99.27 0.33 10.82 76.37 3.59 0.00 0.00 45.83 75.11 85-89.99% and > 50% 98.79 1.21 0.00 87.36 6.32 0.00 0.00 36.06 0.00 90-94.99% and > 50% 94.87 4.40 5.22 88.78 1.64 0.00 0.00 34.78 7.00 95-99.99% and > 50% 100.00 0.00 0.00 92.73 2.53 0.00 0.00 45.10 12.70 100-109.99% and > 50% 100.00 0.00 9.80 80.96 7.56 60.27 0.00 0.00 0.00 21.48 0.00 18.25 525-549 97.20 2.80 0.00 0.00 15.97 0.00 0.00 0.00 14.71 15.28 25.62 550-574 98.45 0.45 4.64 0.00 13.78 0.00 0.00 26.67 36.44 6.68 12.98 575-599 97.57 2.43 8.24 0.00 8.91 0.00 0.00 23.13 32.63 2.60 18.91 600-624 98.50 1.50 5.00 0.00 13.41 0.00 0.00 51.96 33.88 1.91 17.83 625-649 97.35 2.46 6.98 0.00 4.89 0.00 0.00 48.21 37.69 1.99 14.30 650-674 97.67 1.43 7.22 0.00 5.73 0.00 0.00 51.50 35.74 1.89 12.74 675-699 95.28 3.92 12.50 0.00 3.75 0.00 0.00 51.51 36.68 2.65 12.21 700-724 97.02 1.46 13.85 0.00 2.89 0.00 0.00 54.15 36.84 1.63 12.05 725-749 93.23 6.31 16.27 0.00 2.75 0.00 0.00 53.60 39.78 0.80 14.35 >=110% and > 50%750 88.91 8.87 24.30 0.00 2.54 0.00 0.00 57.54 38.82 12.30 12.78